milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: XX/XX/2016 GM financial hired XXXX XXXX XXXX XXXX to repossessed ( Steal ) four vehicles that they did not own titles or leans or have any financial obligation to. I had a loan that I was making payments on. I made payment arrangement with a rep and was keeping my obligations with the payments and never once informed that the vehicle was in a repo status. One morning about XXXX I went out to go to work and three of thefour cars were taken without my wife permission or knowledge, The police department was notified, we were informed they were repossessed. I explained and showed XXXX XXXX Police department that 1 vehicle was paid off and the other two were current and financed with other companies. I provided letters from the financial companies showing that the vehicleswere current and under no order of repossession.. XXXX police finally took the police report. Later that evening we received a call from XXXX XXXX XXXX XXXX saying that our vehicles were taken by mistake and they want to bring them back. When asked how did they get this number they would not say. Once the auto theft unit got involved the owner of the tow company meet with us and police. XXXX the owner showed my wife and I and gave XXXX police a copy of the repossession order requested by GM financial to repossess five vehicles and offered bonuses for each car they retrieved. None of the cars taken were financed by GM Financial. three of the vehicles were in my wife name who do not have an acct with GM. Gm called and on a recorded line stated well you have them back and offered no explanation but stated what are you going to do about the XXXX. Once they learned that the police were involved we did not hear from them for a while. They have charged Off the loan and put the charge off on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of XXXX I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) Ally Financial, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I filed initially a Chapter XXXX bankruptcy on XXXX, XXXX XXXX. XXXX, XXXX XXXX of Florida. We then converted to a Chapter XXXX. Discharged was received on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the case was closed by the Court. At the time we filed we held a first mortgage on our Florida homestead with Wells Fargo Home Mortgage. We were current before we filed, on the day we filed, during the pendency of the bankruptcy and today, over 7 years later from when we filed. On XXXX XXXX, XXXX, Wells Fargo hired Florida XXXX to file a claim in bankruptcy court, see attached Exhibit A. The same law firm that was discredited for robo signing, mortgage fraud and so on. Then on XXXX XXXX, XXXX, Florida XXXX XXXX XXXX, XXXX files an amended claim to include arrearage of {$700.00}, not for the mortgage but for their attorneys fees, see attached Exhibit B and justified by their Objection to Confirmation, see attached Exhbit C. Again we have been current and continued to pay them during the pendency of our bankruptcy. This is a complete JUNK FEE. Without advance notice or explanation, Wells Fargo on our XXXX/XXXX/XXXX statement included an unpaid advance balance totaling {$690.00}, see attached Exhibit D. For almost 5 years this fee remained on our account, unpaid until suddenly on our XXXX/XXXX/XXXX statement it showed that {$360.00} was paid, see attached Exhibit E. Apparently what triggered the payment was that we requested to increase our mortgage payments giving Wells Fargo the opportunity to steal our money. On XXXX/XXXX/XXXX, I sent an email for clarification of this payment, see attached Exhbit F. Wells Fargo emailed acknowledgement of having received the email in numerous emails and a letter from a XXXX XXXX, Senior Vice President of Wells Fargo Home Lending. In the letter she writes, " We expect to complete our research and provide you with the results on or before XXXX/XXXX/XXXX. '' See attached compososite Exhbit G. It is now XXXX/XXXX/XXXX and we are being ignored. Apparently the letter signed by XXXX XXXX is what most Wells Fargo customers receive but no research or inquiry is ever started or completed. It is a ruse to quiet their customers according to the thousands of complaints I read online. 
We would appreciate your help in getting our money back and/or reversing the unpaid advance balance.

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 06/17/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: On Friday, XXXX XXXX, 2015, I submitted a credit application for XXXX credit cards, including the Chase XXXX Preferred card and the Chase XXXX card. I am a long standing customer of Chase Bank and have a previous lending relationship with the company. Upon submission of my applications, Chase Bank declined the Chase XXXX card, but approved the Chase XXXX XXXX XXXX Card. Subsequently, I called the Chase Lending Services phone line and was informed that Chase Bank employs a policy whereby Chase does not approve consumers who have opened XXXX or more credit cards within the past 24 months. However, please note that I was in fact approved for the Chase XXXX XXXX XXXX Card, which would violate the policy stated by the representative. I asked the representative where the policy was advertised during the application process and he advised that it is not disclosed. Furthermore, he said this policy decision is not a reflection of my credit worthiness or existing relationship with the bank. I expressed my concerns that this policy is not advertised during the application process. Chase is running a hard credit inquiry, which affects my credit score. Instead, they could just disclose during the application process that the XXXXcard policy exists and would eliminate a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, 2016 To whom it may concern 1. I attest that I am XXXX XXXX, and the author of all verbiage within this complaint. On my Experian and XXXX reports I have accounts in collection, XXXX on XXXX and XXXX on Experian. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX and Experian are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

XXXX. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on XXXX is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file XXXX. XXXX account on XXXX has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both XXXX and EXP as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to XXXX, EXP, XXXX, CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

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 non-monetary relief
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TN).
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: multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

innovis XXXX XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with AFNI INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I bought a car from XXXX and was financed by American Credit Acceptance,  which they do not use anymore and wouldn't tell me why. I have been paying on this car for a year and some months. I discovered when asking for help with my bill, that I am paying {$17.00} a DAY interest. My car was for, say {$23.00} grand and they are charging {$20.00} grand to finance it. I did not realize that I would be paying on this car for ever under what is called a simple loan at 25 % APR, which I couldn't come up with {$16.00} and is more now. I have missed payments and is currently behind now, but I researched my account only to find out that, even when I paid on time NONE OF MY PAYMENT WENT TOWARDS MY PRINCIPLE. I don't understand! Now I've gone from 60 payments left to 65 and {$23.00} grand to {$25.00} grand I am trapped and American Credit Acceptance told me I can pay {$75000.00} for this car, becuase there isn't a ceiling on the interest or payments they can take from me. Even when I get caught up and pay on time. I've had a lot of cars, but I have never experienced any deal like this and I read that the interest may not be legal in the state of Ohio. What can I do. I don't have credit to get a new car, I want to pay this one off, but at {$650.00} a month and nothing going to principle, I can't go on like this. Something is not right here!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with Feldman & Stern, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation