milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (MI).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Managing the loan or lease

Complaint: FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I started a loan modification with Citi mortgage in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. XXXX service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when Citi sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from Citi. I requested my note from XXXX over 45 days ago and they still have n't provided it. Citi reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to XXXX and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies Citi ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in    1991  at which time was only  XXXX   years old. T his person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet

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 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MIDLAND FUNDING LLC keeps reporting a debt to my XXXX credit report that is a very inflated amount. THey have harassed me with phone calls to my home phone when I had one and have even called my cell phone. I have spoken with them several times and asked how much they have purchased the debt for but they will not give me an answer. The supposed debt was from 2012 Nd was reported as {$3700.00} as of today it is {$6100.00} and showing as a recently opened account. XXXX removed this debt and I have an open dispute with XXXX but I am still getting letters offering a " payment '' plan. I have read many comments and stories online about MIDLAND FUNDING LLC or Midland Credit Management ( same company ). It should be against the law to first almost double a supposed debt owed and then keep reporting it to a bureau as if I had just opened it in the last 30/60/90 days. I consider this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is being smelled out incorrect on my credit report several times. XXXX XXXX is billing me for medical bills and they where paid by my insurance and they are on my credit report and the credit reporting company will not remove them and also the doctor they are billing for had my insurance information on file and still billing and placed the bill in collections instead of billing my insurance company whom i spoke to and they informed me the company never billed them.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

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 09-04-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX I notified target credit card that there were multiple same day purchases. 
The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. 
A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.

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 08-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to a XXXX school for my XXXX and had the opportunity to attend university abroad to obtain a XXXX. This option was more affordable than to stay local and attend my same school so I took a Sallie Mae Loan. Sallie Mae unfortunately does n't offer income based enrolment programs so come 3 years after graduating with XXXX degrees, I found myself unemployed and {$180000.00} in student loan debt. 
But Sallie Mae was not understanding or accommodateing. In fact, they have not only harrassed my mother and myself by calling 14 times a day each, they attacked my co-signer, my XXXX XXXX XXXX grandmother. They sent her to the hospital with an XXXX after calling her one Sunday, telling her that if she did not pay my balance of {$85000.00} within three days, they would take her home and social security. I am continually given false and misrepresented information from Sallie Mae representatives. I also came to find out the University in which I attended is no longer in existence. XXXX XXXX University XXXX. There are also class action cases against my school for misrepresentation. I am at a point where I do n't know what or who to turn to. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Arbitration

Complaint: My credit card company will not acknowledge payments I have made and will not refund my payment. I have sent proof of payment several times but they keep imposing late charges on debt I have paid and do not owe.

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 07-10-2017 about Debt collection (Other debt) with Credit Systems International, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently checked my credit report I came a cross a collection agency named Credit system.
I 've reached out to Credit system.
Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with AmeriCash Holding LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: My bank account was withdrawn  XXXX  on today 's date  XXXX / XXXX / 17  by Americash. They did not send me any notice prior to withdraw informing me of the anything, no info for amount being withdrawn, no date agreed on to withdraw amount that was took from me, Nothing. So I contacted Americash and spoke to a representative concerning the matter. A male representative told me that interest had accrued onto my loan due to late payments that were made onto my account, so the guy told me that I 'm being charged  XXXX  dollars of interests, so they withdrew a portion of that interest from my bank account today  XXXX / XXXX / 17  in the amount of  XXXX  dollars, and the remaining amount of  XXXX  dollars will be withdrawn on  XXXX   XXXX   2017 , I told the guy I did not receive a notice stating anything about this transaction being made, the guy told me they are not obligated to inform me of any interest owed. I was highly upset because I was not informed or aware of any transactions being took place on my bank account today or on  XXXX   XXXX , they violated my rights for not even sending me a notice prior to withdraw, and most importantly the money was not available to be withdrawn due to me deemed unaware of payment set to be withdrawn from my bank account today. From my understanding from my payment schedule which I received from americash stated that my last payment was  XXXX   XXXX     2017  in the amount of  XXXX  which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A few months ago, some  XXXX  purchases were fraudulently made using my  XXXX  i.d . and the perpetrator  ( s  ) attempted to pay for them using my Paypal account. I contacted   XXXX   and  Paypal  about the issue. Paypal originally credited my account for the {$1500.00}, but is now requesting the money back. No goods or services changed hands and this was and is a fraudulent transfer. They are threatening to close my account and make negative comments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Security Credit Services, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing/Cancelling account

Complaint: American express cancelled my account without my knowledge. They charged me an annual fees, cancelled all my rewards and even when I contacted them through multiple means did not provide any information.

Company response to consumer: Closed with monetary relief