milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My husband has a debt with Conn 's Inc. ( Furniture and Appliance ). Due to financial hardship, he stopped making payments many months ago. However, and unfortunately, my husband died this XX/XX/2017. Since I told them that, the calls have not only been more recurring, but they are harassing me with charging off the account, whatever that means. They gave me a one day ultimatum to pay a settlement or they would do that, and right now, I have other things to worry about, like securing a financial stability for my kids. I already told them to not to call me until I speak to my lawyer, but it seems they have an urgency for me to pay the settlement they offered. My husband left no estate behind, as we owe the mortgage and our XXXX cars. What is troubling me is the harassment during this very difficult time of my life, when an unforeseen accident left me a widow at the age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Credit agency lists multiple addresses that are misleading and not accurate. This is a violate of FCRA statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On 2 occasions in the last 12 months, my mortgage company has taken my entire loan payment, including the amount over the requested payment, and applied nearly 100 % to interest. My payment is {$480.00} and has been for the last 10 years. All other payments have been applied correctly. 
The first was on XXXX/XXXX/XXXX, my payment was dispersed as shown below : Total paid : {$500.00} Interest : {$490.00} Principal : {$3.00} - This math does n't even work On XXXX/XXXX/XXXX, My payment was dispersed as shown below Paid : {$500.00} Interest : {$480.00} Principal : {$11.00} I contacted the lender, Specialized Loan Services, and they stated that my loan was simple interest and they would not correct the issue. I then reread my original loan contract and confirmed that my loan is a fixed rate. At this time, I also discovered that my loan was written as a 30 due in 15 which was never explained to me. I have faxed and emailed the mortgage company and they have not yet responded nor fixed the error - it has been 7 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX, ( Navient ) told me on the phone that we qualified for a reduced interest repayment of 0.01 %. I 've been making monthly payments of {$140.00} for almost 2 yrs but my principal balance continues to go up. They have promised to send me details of the program in writing on several occasions but never did. I just found out on a blog site that you have to renew every year or your loan reverts to the original interest rate. They never told me that! My original loan was {$36000.00}. After paying anywhere from {$100.00} to {$600.00} per month for 10 years, my balance is now {$56000.00}. I 'm trying to work with them but I ca n't believe anything they promise over the phone. 
XXXX XXXX Co-signer XXXX XXXX XXXX school 2007 graduate

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Taking out the loan or lease

Complaint: My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX. 
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids. 
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape. 

According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition. 

However, once I received your final bill- I was shocked .... 
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????

Company response to consumer: Closed
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: During XXXX XXXX, I elected to use the direct deposit option to pay my student loans. On XXXX XXXX, XXXX, while checking my payment history for my student loans, I realized my loan balance increased from {$91000.00} to {$96000.00} between XXXX XXXX, XXXX and XXXX XXXX, XXXX despite making regular monthly student loan payments from XXXX XXXX to present. I was unable to find an answer as to why my loan balance increased until XXXX XXXX, XXXX because the information was not available online and my student loan provider, FedLoan, is available by phone only during the work week. While speaking to my student loan provider on XXXX XXXX, XXXX, I learned that when I signed up for direct deposit XX/XX/XXXX that I was apparently warned that direct deposit may take two months to take effect and in case of any missed payment occurring after signing up for direct deposit my loans would automatically go into forbearance and any interest accrued during that time period would be capitalized to my outstanding student loan balance. My XXXX XXXX, XXXX payment was not automatically withdrawn from my bank account even though I signed up for direct deposit the month before, but upon realizing the error on XXXX XXXX, XXXX, I paid the balance in full. I have made every payment on time since XXXX XXXX, XXXX to present. After pleading with FedLoan and attempting to explain that the result of this policy was unfair ( they received one monthly payment less than 2 weeks late and I received nearly {$4800.00} in capitalized interest 10 months after the fact ), I was told that no one at FedLoan would be able to decapitalize the interest from my student loans. I offered to pay FedLoan for the damage that I caused by making my XXXX XXXX payment 13 days late in exchange for decapitalization, but was still told no. I offered to make a payment of {$1000.00} to {$2000.00} dollars on my student loan in exchange for decapitalization, but was again told no. I have several complaints. One, FedLoan should be able to set up direct deposit in a more timely manner. Two, FedLoan did not provide adequate warnings of both the delay in setting up direct deposit or the consequences for missing payment due to the delay in setting up direct deposit. Three, the automatic forbearance leads to unjust results as I did not receive the benefit of the forbearance ( I made all payments except the XXXX XXXX payment on time ) and FedLoan was able to capitalize a substantial amount of interest on to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Denied a Harp

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly stored my financial information. Their negligence has lead to the release of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX On XX/XX/XXXX I received an alert on my phone informing me my BBVA Compass checking account was overdrawn. As I have never been overdrawn I immediately contacted my bank at approx XXXX XXXX. I was informed that 3 transactions had occurred, two at the same location, a XXXX 's XXXX for {$140.00} and {$140.00}. A third debit was a transaction at a XXXX XXXX for {$74.00}. I have had the card in my possession the entire time and I have alerts set up on my phone when the second my card is ran, I get a text message for the amount and location of the transaction. I never received such alerts for these 3 debits. 
The banking rep informed me it could take 10 business days before my provisional credits were placed on the account and there was absolutely nothing they could do. After missing 3 days of work due to no money for the train or day care, I called in and asked to speak with a supervisor which took another 48 hrs to get a call back from. The supervisor informed me that he could contact the investigators and request an early release of the provisional credits. Not only did the first rep not offer to do this, the supervisor said this should have been done immediately as a courtesy. Now here we are 14 days later, and not only have I not received a call from the investigator, I have not received my provisional credits and customer service said its not completed as of XXXX today. This has cost me well into the thousands of dollars in lost wages. Although {$370.00} is not a lot of money to most people, for me, in the middle of pay cycles, that amount of money pays for my day care for the kids, food and train fare for me to get to work. This has most likely cost me my housing and I am now on probation at work for the time I missed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. XXXX XXXX XXXX IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with Integrated Recovery Services (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep contacting me about a debt that is not mine and belongs to my adult son who does not live with me and is not a dependent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A hard pull was done on my credit report on XXXX XXXX, 2017 for a checking/saving account with ( NFCU ) Navy federal credit union. Then NFCU did another hard pull on my credit report for a credit application I did on XXXX XXXX, 2017. XXXX hard pull inquires within a 30 day period from the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Stephens and Michaels Associates, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Auto debt) with Experian Information Solutions Inc. (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX I had noticed that my credit report had an account that was being reported by XX/XX/XXXX that stated that I had a balance of {$280.00} that I did not recall as being mine ( see evidence attached ). I was a co-signer. I disputed the account with XXXX, XXXX and Experian. I later received the information that the accounts had been deleated ( see evidence attached ). In XX/XX/XXXXI requested my credit report again and the account remains on my report but it is only being reported by Experian. This car per the owner of the account has informed that was paid off in XX/XX/XXXX. I contacted the bank and disputed the account again with Experian but the account now appears as if it is being paid but the balance of {$210.00} does not change. Please see evidence attached. I do not feel that my credit report should continue to show this account as delinquent since the car loan has been paid off since XX/XX/XXXXand I do not recall any other debt. Please advise if this account can be removed in order for me to continue to inprove my score and manage my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (MN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! 
THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry I have not done anywhere, some debts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: LOAN : XXXX High Urgency Notice of Error As Nationstar has been delinquent on paying my AZ property taxes for AZ Parcel # XXXX XXXX for last 18 month, fees and penalties have been applied and a TAX LEIN will be placed on my property and may put my property up for auction. ( address removed ) As I have called in and requesting information repeatedly ( over 6 times ) for updates since XX/XX/XXXX with no action or contact until I call in again or send information again. Additional AZ penalties and fees occurred XX/XX/XXXX because of inaction. NationStar has given me no assurances they will pay any outstanding taxes in the future. 

I am requesting all correspondence, information, notes, customer and escrow services members information, call recordings, any correspondence with XXXX be sent to this email address. It does not need to be provided at one time, but over the next 72 hours attn : Nationstar Loan # XXXX This has been an ongoing issue an 1 ) Nationstar needs to pay the taxes THIS WEEK and 2 ) do not ATTEMPT to charge/bill me any accrued late payment penalties or interest charged because of your delinquent payment. I am passing this information on to the federal Consumer Financial Protection Bureau. 

This is a breakdown of a process at Nationstar and effects my home and the children who live in it. This is not a joke.

Company response to consumer: Closed with explanation