milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a settlement to XXXX collection agencies, which has been paid. Was told that after payment is made, that both agencies would contact all XXXX credit bureaus and that the collections would be removed from my credit report. As of XX/XX/2017, these credit agencies are still being shown on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (Auto) with DOUGLAS, KNIGHT & ASSOCIATES, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with Asset Recovery Solutions, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This group called XXXX XXXX XXXX often calls me on my office line and asks about debt repayment based on my name " XXXX XXXX ''. They ask for personal information and I tell them I ca n't give them that. Then they ask me " Do you live on so-and-so street '' or " Does your SSN end with **** '' and it 's not even close to anything remotely resembling me. I mention it, and they say they will remove my name from the list, and then again in a few weeks I get the same call - clearly they do n't remove the name. I 've even told them they are harrassing me. We do n't have any outstanding debt ( mortgage etc ) that we 're not already paying off monthly - our credit rating is top-notch, so right off the bat this sounds like a phishing website. They ask me to call back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We ca n't reach them. I received a letter from XXXX that I was approved with a XXXX score and that I can call or go online to www.equifax.comXXXX to request the free copy. I have called and the voice prompts wo n't allow me to get the report and there is no way to reach a human. I have gone online and it states " it is unusual for someone below XXXX to have credit and if I want to file a complaint of fraud I need to send personal documents such as birth certificate, social security number, drivers license, etc. to open a case ''. This is insane to send XXXX with no signature ( just sending it in general ) is a major chance of getting in the wrong hands if lost. The phone recording wanted a fee to get the information as well. 

These bureaus control our lives with credit yet give no means to reach them. This is a serious concern for a graduate of this year who will need credit for school or going into the job market. These credit bureaus need to be mandated to have a person to contact. We need a copy immediately and have no way feasible to reach anyone to open a complaint. 

Not an expert on credit report but it seems highly unlikely to have a score without credit and we suspect that my credit has been jeopardized and have no way to confirm or start a process. I will attach birth certificate and letter from XXXX approving my credit card and the reverse of the letter showing my score. The approval process was through XXXX which XXXX gave a credit card as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.

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 08/27/2016 about Credit card () with CITIBANK, N.A. (IA).
Issue: Payoff process

Complaint: I called Citi for the third time this year to request a reduction in the interest rate for a credit card that I have had for 15+ years. They denied my request each time. I began making automatic payments of {$950.00} a month 1 year ago. My balance in now under {$3000.00}. They continue to charge me 28.9 % interest. Now, my interest payments are greater than the costs of any charges on the card, should n't they reduce it? Whenever I call, I ask to speak with a manager. This time they told me " marketing '' sets the rates on cards! I asked for a manager again, was put on hold for 8 minutes, then cut off. Bad bank, bad policy, bad service. Ca n't we today this card off.

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 01-11-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I was notified that there was a fraudulent charge on my account. I immediately called my bank ( USAA ) and told them this charge was not mine. It was for XXXX XXXX Live tickets in XXXX for over {$1100.00}. When I called them they assured me that it would be taken care of. A few days later they credit my account for the fraudulent amount. On XX/XX/XXXX I was sent an email saying fraud claim denied and that they would be taking that amount back out of my bank. They attached a document, which they call evidence. They say to contact the merchant in XXXX to figure this out or call usaa number. The document showed that the customer, XXXX XXXX, from XXXX XXXX, CT is the purchaser with my card. I do n't know a XXXX XXXX. After some research he is a XXXX year old man. He is not an authorized user, the zip code doesnt match, I did not authorize this. I called USAA and this is where the trouble really starts. After almost 20 calls I keep getting passed to their executive resolution team who says they cant see anything. They tell me they re submit to fraud and to wait another 90 days. I call again after 90 days and explain. Then I get passed to fraud claims. Then back to Executive resolutions who promises to give me a call back within 24 hours. No calls returned. Never spoke to anyone that is actually helping me. They all appologize and say they can do nothing. Today XX/XX/XXXX I called and they are saying that since it 's over 120 days old that there is nothing to do and they have to follow policy. I can never get help and no one will escalate this to someone who can actually help. Now USAA is saying they are closing my account because I havent put in money in it during a certain amount of time. Im not going to put money in my account in fear of my money being taken and stuck in this endless loop with USAA. Furthermore the last person I spoke to said that it was in " charge off '' status but couldnt explain what it was. It sounds like USAA is preparing to put this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} + Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has  resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDEWEST RECOVERY I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL).
Issue: Credit decision / Underwriting

Complaint: It has been 10 weeks since I applied for a mortgage loan with PRMG. We have gotten nothing but the run around. My file was escalated to the branch manager, who told me I had been denied due to collections. I informed the branch manager that was wrong, and provided evidence to prove I do not have the number of collections he said I did. Branch manager never returned my call. My file was then escalated to the VP and he was able to remove my file out of the denial state and told me they would be working on it. Now we are dealing with the underwriter not calculating the condominiums association reserves correctly. My realtor along with the condo association has provided the lender with all the information needed for them to correct their calculating mistakes, and still nothing has been resolved. This has gone on long enough. I feel like PRMG has not been honest, this closing could have been done weeks ago. Both myself and the sellers patience is running extremely thin, and no one at PRMG seems to care too much to get a closing on this file.

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 12/20/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX Convergent Outsourcing, has made repeated calls to this phone number and have been told each time to never call this number but they ignore those requests. Called Convergent Outsourcing from number found from online search, they refused to state the nature of their business or why they are calling. 
Attempted XXXX times to use their format on their website to place our number on do not call but page always fails to complete process with error messages. 
Then called provided XXXX customer service number to report this problem and am refused service.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PR).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.

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 03/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Other type of mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, I am being denied loan modification due to my XXXX from being fired while on workers compensation. I am a XXXX XXXX XXXX that was fired while hurt on the job. From my injury I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I was current on my home mortgage until I was hurt on the job and fired. My wife is not employed and is currently in XXXX  school. I am the sole provider of my household and my salary per year was {$180000.00} per year until I was terminated from my job. I was granted a forbearance but then they said it was denied, I was granted a loan modification but then denied. The forms I submitted they stated was not sufficient enough. PennyMac is the mortgage servicer for my home. And with my injury the law states my I trest rate states it shouldnt be more than 2 % but mine is 3.5 %. The required mortgage is {$2400.00} but with my injury and current XXXX status I should be paying no more than {$600.00} per month for my mortgage. I am being scammed and they are trying to take my home. I was even told by Pennymac to sell my home and also that I didnt qualify for anything and I am stuck with being homeles with a wife and XXXX kids. Please call me at XXXX XXXX XXXX. 
My home address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX PennyMac Mortgage Loan number : XXXX telephone number : XXXX XXXX XXXX XXXX XXXX is the XXXX of the Loan issue. 
Please contact me ASAP and I will elaborate on the situation even more. I am also faxing my documents that is needed and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: We have a mortgage with Ocwen for a condo property in XXXX XXXX, IL. The condo is underwater and we are having trouble selling the property for what we owe. The mortgage company and the Condo Association Board will not work with me to allow us to rent the unit unit we can sell the condo effectively forcing me into foreclosure. 

The Condo Association does not allow rentals and removed an economic harship exception so we are unable to rent the unit. If I am not able to sell the unit I will be forced to let my condo go into foreclosure which will destroy my credit. How can yo help me with this problem?

Company response to consumer: Closed with explanation