milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OK).
Issue: Managing the loan or lease

Complaint: Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Credit line increase/decrease

Complaint: Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.

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 01-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: I am writing to you hoping that you may help me with my problem. I have been trying to solve this matter for quite a long time without any response from Chase. I live in XXXX and it is difficult for me to visit The Chase facility at XXXX XXXX. 

My problem is that I have been trying to tell the banking personnel that I cancelled my safe deposit box service 16 years ago and Chase is still charging me for this service. Last year, I sent a letter via XXXX to XXXX XXXX XXXX, explaining this situation ( I enclose a copy of this ). Nevertheless, recently Chase sent me again a communication in which they are charging me for the service. 

I also tried to reach Chase personnel many times by phone but it was useless. 

I hope that with you I have the chance to solve this once and for all. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We requested mortgage assistance that would decrease our monthly payments and remove our delinquency ( such as a modification ), instead we were offered a repayment plan that doubled our monthly payment of {$1300.00} to {$2700.00} and had a balloon payment of {$13000.00} at the end of twelve months. We are having financial hardships and have had since XX/XX/XXXX when my husband lost his job because of the global financial crisis of XX/XX/XXXX. We have been going back and forth with Select Portfolio Servicing since to receive an affordable house payment. They did lower our payment from over {$2200.00} ( more than our income ) to {$1300.00}. Even though they lowered our payment, the new payment had a debt-to-income ratio of 70 %, leaving us without enough money to our bills. For over eight years we had built up debt to friends, family and neighbors that loaned us money and have struggled to repay the loans. Our mortgage servicer SPS has continually told us that there are investor restrictions preventing them from giving us an adequate loss mitigation program. We have read the pool servicing agreement and do not see this restriction. They also had claimed to participate in HAMP but treated all our HAMP applications as a non-government request and have not acknowledged that our request were HAMP. They also claim that there are investor restrictions against a HAMP loan as well. We submitted XXXX HAMP applications at the end of XXXX and were turned down on both. We are very tired of this ten year run around and wish to resolve our problems without losing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, Experian and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.

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 03/28/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Struggling to pay mortgage

Complaint: We have had the unfortunate experience of dealing with SLS for five years now. Throughout this entire time, they have repeatedly been non-responsive to letters, phone calls, and emails. They have not filed legal documents on time with the courts and have acted in an unfair and discriminatory manner with us on more than one occassion. We have had to incur legal fees in order to get them to even return a phone call, which actually added to our financial hardship that we were trying to resolve with our mortgage in the first place.

Most recently, pursuant to the request of the attorney for SLS in XX/XX/XXXX, we filed a request for loan modification on our mortgage loan. We had previously filed a request for mortgage assistance in XX/XX/XXXX, which was never acknowledged, responded to or addressed by SLS. Rather, they filed a Notice of Foreclosure and we had to hire an attorney to help us navigate through that. We ended up having to file a Chapter XXXX Bankruptcy to protect our home. During the time the banrkuptcy was being finalized, we continued making our payments in the amount of {$2600.00}, and SLS never filed an proof of claim as required by law. At the very end of the bankruptcy, they filed a Notice of Default and we had to negotiate with them for another several weeks before our bankruptcy could be approved by the courts. They insisted on a monthly payment of {$4100.00} because they would not add the arrearages to the balance of our mortgage, despite the fact there is plenty of equity to do so. We have never been able to make that payment and after discussing this with the attorney for SLS and our attorney, we were told to file a new Request for Mortgage Assistance which would be to lower our monthly payment so we could get our mortgage back in a current status. We did this in XX/XX/XXXX. SLS acknowledged receipt of the modification in three separate letters datedXX/XX/XXXX, XX/XX/XXXXand again on XX/XX/XXXX. Each letter stated they were waiting for information which was out of our control and they would respond as soon as that information was received. We heard absolutely nothing from SLS until we received a letter last Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX  out of XXXX, Texas, advising us of a Notice of Default on the mortgage. There has still been no reference to our Request for Mortgage Assistance filed last XX/XX/XXXX to SLS. We responded to the letter yesterday via fax, express mail and regular mail advising of this situation and requesting our Loan Assistance application be approved so we can get back on track with our mortgage. We desperately need help getting this situation resolved as they are threatening foreclosure.

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 11-10-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: I had my pay check of {$530.00} check # XXXX direct deposited to my RushCard on XXXX/XXXX/15. I received my actual RushCard on XXXX/XXXX/15 and activated it. On XXXX/XXXX/15 my account reflected the my funds available to me in my account. On XXXX/XXXX/15 {$530.00} ( my entire check ) was deducted from my account as a " Processor credit reversal '' transaction ID XXXX. I have called every day since XXXX to resolve the issue and keep getting the run around. I have spent countless hours on the phone and when I finally get a live person, they hang up on me. On XXXX/XXXX/15, I was finally able to get a live person on the phone and they were working to fix the error and credit my account back the missing money since the funds were taken out in error. I was told it would be fixed in 24 hours. Today is XXXX/XXXX/15 and I still have not received my funds. I have still continued to call every day and I am told they will fix it within 24 hours, but they still have not returned my funds. This is creating great financial hardship for me as I am not about to pay my bills or buy my daughter what she needs. They have essentially stolen my entire paycheck from me and no one is doing anything after seeing this was an error on the processors part. I need your help to please quickly resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I opened a credit card account with discount tire and they were supposed to debit my account each month but did not debit the account one month after my payment was increased only by {$15.00} and reported the account past due tarnishing my credit score.

I need for discount tire to report the account accurately due to no fault of my own ;

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 03-10-2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  (  s ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX    XXXX   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 10/13/2016 about Debt collection (I do not know) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Prepaid card (Payroll card) with MB FINANCIAL, INC. (MO).
Issue: Adding money

Complaint: I added a new employer as a direct depositor to my XXXX Card by XXXX which is issued by MB Financial Bank , N.A . The day my direct deposit for {$1500.00} should have been posted, nothing posted to my XXXX card. I discovered I skipped a digit in the account number and submitted an incorrect account number to my employer. I contacted XXXX XXXX, XXXX and MB Financial. None of the XXXX organizations would provide information on my payroll check funds nor would they provide information on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
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: On XX/XX/XXXX I notified XXXX XXXX XXXX for XXXX XXXX XXXX credit card that they had incorrectly reported a 30 day late in XX/XX/XXXX to XXXX credit bureau. I also filed a report with XXXX. XXXX did not respond, however, XXXX XXXX XXXX responded via letter stating that they found the XXXX XXXX XXXX credit card is not being reported to the credit reporting agencies. This is in fact a lie because my XXXX credit report shows they reported a 30 day late in XX/XX/XXXX and I am an authorized user on the account with details of payments being made. The account has never been 30 days late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery Associates have been harassing me for over a year, over 1000 phone calls even after demanding they stop calling me more than one time. I informed them of the federal law they are violating, yet they responded : " we follow company policy only ''. They even called friends and relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )

Company response to consumer: Closed with explanation