milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.

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 07-02-2015 about Debt collection (Credit card) with Allied Interstate LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: I *love* my new car - a XXXX XXXX XXXX , a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan information. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : e.g. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' ) I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you. My auto loan is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, XXXX

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit 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 11-03-2015 about Credit card () with Continental Finance Company, LLC (IA).
Issue: Other fee

Complaint: Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. 
Payments are always made on time. 
A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Bank is reporting inaccurate information on my credit report. I requested information from them via US postal mail, citing FCRA statue 623 on XXXX XXXX, 2016 ( Letter attached ) They have ignored my request & continue to report accounts negatively on my Equifax and XXXX reports. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I know it 's the data furnisher 's responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including the correspondence I 've sent to the Equifax as well to get them to remove and they 've merely passed the buck to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (IA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I received a letter dated  X/XX/2017    from Synchrony Bank where I have accounts, that " a request has been sent to the  XXXX   XXXX   credit reporting agency re questing that the inquiry reported under the Synchrony Bank be deleted from your credit profile ''. There was no contact name on the letter, no record or incident number, no contact info other tha n a   XXXX   XXXX   number i n  XXXX , Ohio. The letter also incorrectly specified a middle initial for me even though I have no middle name. I tried to contact the bank by phone soon after receiving the letter but no one I reached knew anything about it or could help further. The exact wording of the letter is not clear as to what happened ( I ca n't understand it ) but it did trigger  XXXX  other letters from  XXXX   XXXX  and the  XXXX  other major credit monitoring services  (   XXXX  and  XXXX   ). T he  XXXX  from  XXXX   XXXX  referenced the original bank letter, I think, by indicating  " Re :  SYNCBJCP '' but otherwise did not reference the bank by name but did say that the " above creditor ... received a credit application containing your name and social security numb er '' ( more information than was in the banks letter ).    This whole think has caused stress and concern for myself. I would like to think I am sophisticated about these things but I am not sure this is some kind of scam or not. Initially I thought so but since the bank 's letter preceeded all of these notifications from credit reporting issues about an " incident '', I am not so sure.   I would like some knowledgeable person from Synchrony Bank to either confirm that the initial letter was a scam ( that somehow triggered the letters from credit reporting agenc ies ) o r, if not, please detail what happened, especially if someone has tried to use my information to apply for credit.   Thank you for your time and consideration.

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 06/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It is time for my daily complaint with Equifax because they are breaking the FCRA and the CFPB seems to be doing nothing. On XXXX XXXX, I talked to XXXX, XXXX XXXX XXXX, and XXXX XXXX, all XXXX said their investigations are not complete and nothing was reported to Equifax , meaning they are lying about verification. If the have verified my information then I want Equifax to attach a copy of the verification to their response of this complaint, something I have asked before and they have refused. Might I also add that the XXXX XXXX XXXX account is attached to an unknown name and said it was charged off with someone using my wife 's maiden name in 2014, I have sent proof that her account with XXXX XXXX XXXX was changed to her married name yet Equifax ca n't seem to grasp this concept. Next, XXXX is a fradulent account but let 's put that aside, this debt was discharged in a settlement agreement signed by their representative, that I have also provided and was allowed to do so for financial purposes. TransUnion has actually done an investigation and found all XXXX of these accounts fraudulent yet Equifax seems to be lying or have proof that TransUnion could not find. You must have to have a XXXX to work at Equifax. I am again sending my proof for XXXX XXXX XXXX and XXXX but I 'm sure Equifax will lie and say these debts are verified and the CFPB will allow them to trample on my rights. Also, Equifax should have received my bill for my contracted services, I never asked to do business with Equifax and though they never asked to do business with me, I am still charging my hourly wages ( 12 hours a day, 7 days a week ) as well as lost sales revenue since they are the cause of this and I have them a discount at {$20000.00} dollars. I meant what the letter said, this line of credit will be reported to XXXX as either paid or unpaid on all XXXX numbers found for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: I 've been attempting, for better than six months to get my 2nd mortgage servicer, Ditech Financial to seriously engage the writer on my interest to settle the outstanding balance. The process started in XX/XX/XXXX, latest. Only recently have I received a phone call after multiple attempts in both writing and telephonically to get them to reply. I 've also asked for supporting documentation regarding the totality of interest paid and general progress on the reduction of the loan balance. I received nothing I 've been thorough, I believe, in articulating why a negotiated settlement is reasonable. The aforementioned phone call was unsatisfactory only offering a nominal reduction. 

The intent of my complaint is - both - getting the supporting documents as to my total payments made, interest paid and principal paid. And, with that evidence press my case for a more reasonable settlement substantiated by my previous employment hardship ; savings drain yet I maintained the account as current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Prepaid card (General purpose card) with U.S. BANCORP (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.

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 monetary relief
Consumer complaint received 11/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Company harasses me all day. Receive 20 calls a day

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 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over XXXX year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores.Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My name is XXXX XXXX and I am currently a co signer on my sons loan with XXXX account number XXXX. My Son XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on creditreports ; and as evidenced, it had not shown up on the XX/XX/XXXX report.
At first the response from the CSRwas a type of circular and dismissive explaination, which led
nowhere. when I questioned what they were saying, they finally stated directly that I was lying.
A similar conversation ensued with Experian, as there appeares to be the same clear mistake on their report as well.
Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner.
I have to say that XXXX is the most professional to speak with of the three, but I am uncertain of 
their documentation.
Please note the following : Reposseison of vehicle XX/XX/XXXX.
Filed bankruptcy XX/XX/XXXX.
Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy.
Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues.
I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time.
Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.

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