milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I am currently in Chapter XXXX bankruptcy with the XXXX North Carolina Bankruptcy Court. My car loan for the XXXX XXXX XXXX is included in the Chapter XXXX. However, the value is the car is in its current condition and millage ( the care XXXX miles ) is valued at {$3400.00} according to XXXX. I like to settle-in-full with Santander Consumer credit for the current value of the car and have the title/lien released. It is not worth {$10000.00} nor it is work the {$7500.00} that is listed on the Chapter XXXX filing. The millage and the accident the car was involved in ( back in XXXX ) has greatly reduced the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by 2 of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARDINAL FINANCIAL COMPANY (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have had my account with Discount Tire # XXXX and Care Credit # XXXX for many years now. I have always paid them on time every month. Synchrony bank issues these credit cards. They issued them with a {$1000.00} credit limit. They have recently decreased my credit limit on both cards to {$500.00}. I do not understand this. I have had both cards with balances up to the {$1000.00} limit and paid them both down. The Care Credit is almost paid off completely but they still decreased my credit limit. I feel this is not right and I was not notified. If I make my payments on time and use the card regularly, this should not be happening. I believe I am being treated unfairly due to facts I am not aware of nor knew about when I signed up for the cards.

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 03/22/2018 about Mortgage (VA mortgage) with Ditech Financial LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I'm a recent widow of a totally and XXXX XXXX veteran, who passed XX/XX/XXXX. VA stopped payment of pension in XX/XX/XXXX7, mix up of claims prior to purchase of modular home. For fives years we have been putting in claims for service-connected compensation. No monies have be received since. Have paid mortgage up until XX/XX/XXXX. Husband has had symptoms of XXXX XXXX   and last base was XXXX XXXX  for three ( 3 ) years.

Have notified, mortgage company of death, and asked for a deferment until DIC and Pension are received. Have the office of representative of the congressman helping to expedite claims. In the mean time the VA have paid my utilities for one month and I haven't received SSI yet.

In desperate need of assistance, as I'm a senior with no money as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Source Receivables Management LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a call from a rep of this company on XX/XX/XXXX @ XXXX XXXX # XXXX - by the name of XXXX XXXX. Within the first 50 seconds of the call I informed him that I was at work, and could not talk about the matter at this time. Over the last two weeks, I received calls from two other  representatives informing of the same ( XX/XX/XXXX @ XXXX XXXX # XXXX ) ( XX/XX/XXXX @  XXXX XXXX # XXXX ), that I was only able to speak to someone after business hours - and for me that ends at XXXX XXXX  EST. After informing XXXX XXXX that I was unable to speak about the matter he went on to badger me, insult me, and tell me to be honest, also telling me I have had plenty of time to take care of this matter since the date of service is from XX/XX/XXXX. However, they only have sent two statements ( which I have not yet received ), and called 3x ( since XX/XX/XXXX) - I am sure that they have just recently bought the account/debt from the original creditor. When I asked him for his managers name/number, he was not willing to give that information immediately, he instead told me to just take care of my bill. He was unprofessional, rude, condescending, and insulted me on numerous occasions, all the while, breaking the law, by continuing on with me when I told him from the beginning I was at work, and could not talk - even going on to say " This is a cell phone right, well how do we know where you are. '' Within the first 50 seconds - he was told on a " recorded '' line that I was at work, and could not speak about the matter. Therefore, violating 15 USC 1692c section 805 ( 3 ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Chase XXXX XXXX XXXX victimized us by approving a modification then said ca n't make payments till new rates are figured out! XXXX a supervisor told me she told them not to say that anymore.Chase charged 19 % intr on XXXX part loan.after a year asked if I wanted to modify mortgage.then select portfolio servicing asked if I wanted to modify mortgage and gave me the runaround after I sent modification packets after packets completed packets, legal aid faxed them and knew they were completed.I 've tried mediation, dream home, making home affordable, FLORIDA hardest hit, bankruptcy told to poor to file for bankruptcy.for six years I got the runaround till sold our home at auction now facing eviction.Chase put payments in suspense account because of XXXX cents short charged late fees and ignored approved modification.Jammed foreclosure documents in the door jamb and singed and affidavit that he gave it to my wife when I found it in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco

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 09-08-2017 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: My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  /2017, 60 days  XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Trouble during payment process

Complaint: Citizens One XXXX CO XXXX, a subsidiary of Citizens Bank, has been my mortgage holder for 17 years. Suddenly they are imposing an escrow account based on " shortages '' related to either property tax payments or insurance which are not substantiated by them. When I tried to correct, as these were current, CO dismissed it in a form letter and without any consent or approval, or proof of these " shortages, '' CO brazenly imposed a monthly payment that is 60 % greater. It seems to be a pure money grab. 

Please see attached photos of the latest letter about the plan from CO.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.

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 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: This is follow up complaint I filed regarding XXXX XXXX XXXX on XX/XX/XXXX, ,and now transferred to XXXX XXXX XXXX , SERVICER NATIONSTAR MORTGAGE LLC. , loan reference NO.XXXX. 
Now my only home I grew up was forclose and sold on auction by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
On XXXX I sent " QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST '' but it was ignored by NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX Waters Blvd.. TX XXXX, XXXX. number XXXX XXXX, and to NATIONSTAR 'S ATTORNEY THE XXXX XXXX A LAW CORPORATION address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CALIFORNIA XXXX XXXX 
President Obama 's Executive ORDER XXXX " Establishment of the FINANCIAL FRAUD ENFORCEMENT TASK FORCE " explicitly acknowledge the existence of significant crimes and other violations in XX/XX/XXXX, The Department of Justice worked out a settlement with XXXX XXXX XXXX and did not consider this settlement.. 
Now I am dealing with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX .One of their agent name XXXX XXXX harrassing me to leave my house because i do n't own it anymore.. 
I notified NATIONSTAR MORTGAGE and informe me the company harrassing me is unknown to them .I was told by XXXX XXXX XXXX TO SIGN ANOTHER AGREEMENT. 
I feel like I am facing another fraudalent activity.PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Installment loan) with Conn's, Inc. (NM).
Issue: Problems when you are unable to pay

Complaint: I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Debt collection (Non-federal student loan) with Kadent Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much

Company response to consumer: Untimely response
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Delinquent account

Complaint: I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/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 12/26/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Struggling to pay mortgage

Complaint: I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian has a spouse and I do n't have a spouse. 

XXXX who is this and there not my spouse.

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