milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle lease) with VW Credit (FL).
Issue: Shopping for a loan or lease

Complaint: I pay by phone on the 1st of each month {$260.00} in XXXX pay by phone I must have push XXXX not XXXX I did n't find out until the next month when I was told to pay {$360.00}. I contacted VW credit they informed me I paid {$160.00} last month and now I am 32 days late for {$100.00} and reported to credit union. They reported {$260.00} late not {$100.00}. This is a mistake anyone could make. I knew about this 2 days to late to rectify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed

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 02/21/2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (FL).
Issue: Settlement process and costs

Complaint: Same company, same issue - holding funds and making up rules as they go along. - BBT The is the second complaint we have had to file in regards to BBT not releasing funds for repairs. First issue, we were told we HAD to use a contractor. Not true. They granted an exemption after the first complaint was file and forwarded the first set of funds so we could start repairing our home from the flood ( hurricane XXXX ). We were told to contact BBT to set up an inspection by one of their inspectors. We did so approximately two weeks ago and the BBT inspector stated and reported to BBT that were are 90 % complete. We called today XXXX/XXXX/17 to verify that they have received the report and would send the additional funds. After speaking with XXXX again, they now stated we need to provide receipts for the repairs that their inspector verified and photographed the work was completed at 90 %. We asked BBT to provide documentation stating where we were required to provide receipts as they have NEVER disclosed this before. It is very obvious they keep making up the rules as they go. The only document we have from them states once the job is 50 % complete they will release the remaining funds. Once again, we asked for XXXX XXXX as she is a supervisor in processing department and her superior XXXX XXXX - still have not heard anything back as of today and waited on hold for over 1 and a half hours. These are the same two people that lied to us before and stated they were over-nighting the first check of which they did NOT as we received the check 4 days later - XXXX tracking # XXXX. If they are doing this to us, how many other people are they doing this to as well. There needs to be a full investigation/audit of the loss draft department. At this point they have not released our funds and are now requiring us to submit receipts? even though they told us their inspector had to come out and take photos and show the repairs have been complete to 90 %. As of the end of this week, we will be 100 % complete with repairs and have already requested BBT 's final inspection and hope that they will be able to provide us with documentation stating that the repairs are 100 % complete and they have been satisfied. I am still waiting on future checks from the insurance company and I would like to provide them with the document stating the checks can be made out directly to me and BBT has been 100 % satisfied. The process of having to take it to one location to have someone sign off on the check, just delays the process even longer and allows BBT to hold my money even longer. Thanks for your help in rectifying this situation and hope to protect other consumers that are being faced with this same situation. There needs to be a documented process and these problems and complaints would not happen.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have a total of {$58000.00} in student loan debt with Navient. After 2 years of never missing a payment, I noticed my principal balance keeps going up and not down. When I asked Navient they claimed it was due to " daily accrued interest ''. This just can not be the case. I have been tracking my increases since XXXX XXXX, 2016 to today. The average increase per week is {$85.00} added to the balance. I have tried working with Navient but they never have any answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?

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 11/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan modification,collection,foreclosure

Complaint: see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. 

On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. 

XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? 

-I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? 

-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. 

XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. 

-property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? 

After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? 

Not one of you saw me as a person with the hurt and pain that you put on me.

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 03/14/2016 about Student loan (Federal student loan servicing) with Automated Collection Services, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Excessive fees

Complaint: Lexington law charged me twice at XXXX and still has provided no results in 2016 had service. I beieve in XX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with The CMI Group, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Struggling to pay mortgage

Complaint: I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in 2013 i suffered from identity theft I had XXXX XXXX XXXX cards that I made payments on. My cards was stolen and maxed out. it has now been 3 years and im still suffering from this. I have been disputing these XXXX cards off my credit report and only XXXX has removed them. XXXX ans Experian has refused to try to assist me. This has been so stressful my credit sucks I do n't qualify for anything and i just need some help. This has caused me many sleepless nights. grey hairs XXXX XXXX XXXX. Every time i dispute with experian they say verified verified by who. Im not rich i make a modest living i have rights. this is against the fair credit act. Every time i have called Experian they have been nothing but rude and unwilling to assist me, I 'm even enrolled in their fraud alert but they still wont remove these items of my credit report report.

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 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing

Complaint: In XXXX, I signed up for a credit card from American Express. The card, the XXXX, was being marketed with a sign-up offer of XXXX XXXX and XXXX XXXX Miles ( XXXX ). I only received half of each of those figures : XXXX SkyMiles and XXXX MQMs. I have contacted Amex several times, both over the phone and via their website. Each time, they have refused to admit a mistake and lengthened the time they expect their investigation to take. I have documentation of the offer, both directly from American Express ' website and from the company 's paid content on credit-card advisory websites. However, all of their agents have refused to look at this. Putting an exact value on the miles I am missing is difficult. The XXXX, which can be used for a variety of XXXX purchases, including airfare, are worth a minimum on XXXX cent each against XXXX fees and can be worth between one and one and a half cents when used for XXXX flights. Even using the conservative one-cent valuation, American Express ' mistake cost me {$350.00}. The XXXX XXXX XXXX are very difficult to value, as they are used to earn various privileges XXXX upgrades to XXXX, priority boarding, etc. ) on XXXX flights. At this point, I can find no way of putting a monetary value on them, so I have excluded them from my estimate of how much money I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Account opening, closing, or management

Complaint: I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.

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 08-07-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MO).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.

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 02/20/2018 about Mortgage (Other type of mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME).
Issue: Struggling to pay mortgage

Complaint: My mom purchased our home in XXXX, she was on mortgage only and I was on the deed. 
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account. 
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I  was told they need to have the original note from original bank, which was XXXX XXXX XXXX  of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX. 

I was recently married and my husband is preapproved for the mortgage. 
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home.. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation