milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX. 

I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX. 

I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted. 

I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration. 

GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The circumstance began when the Indiana Department of Revenue started reaching out to me to collect a debt from a previous employer of mine. The Indiana Department of Revenue contracted with a company called " Premiere Credit XXXX '' to use tactics to collect my old employers debt while I was working with the Indiana Department of Revenue to have me removed from this account. The Indiana department of revenue removed me as a liable party in XXXX 2015 and Premiere Credit continued to collect the debts after this period until they closed the account in XXXX 2015. During this period of time Premiere Credit notified me that they were trying to collect a personal tax debt that I did owe. Premiere sent a garnishment to my employers payroll company. Premiere did not communicate to me that there was this additional debt other than the debt that I had been released from. As soon as I verified this debt to be true it was paid within 2 days of that verification. Premiere had told me that they sent a release to my employer immediately after I paid the balance. Premiere did not communicate the release of the garnishment to my employer for a week after they had told me that they had sent it to my employer. I had to call more than 4 times to premiere and my employer each to verify that the garnishment release had been received. The representatives from premiere were not helpful and disrespectful when I asked for the release to be sent and they would not provide me a fax confirmation that they had sent the release.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Currently Wells Fargo is trying to foreclose on my home. I purchased a home from the XXXX XXXX XXXX in XXXX. I was incarcerated in XXXX of XXXX until XXXX of XXXX. A home equity loan was taken out without my permission and signed for sometime in the XX/XX/XXXX. I submitted a fraud complaint with Wells Fargo and provided proof of incarceration but somehow they still ruled against me. The home equity product is not even in my name so I can not even make an agreement with Wells Fargo. At this point I dont even understand what my options are or exactly where I go from here.

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 10-09-2017 about Mortgage (Other type of mortgage) with TD BANK US HOLDING COMPANY (PA).
Issue: Applying for a mortgage

Complaint: We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. 

Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. 

We tried to contacting them, but they have been ignoring us. 

Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (VA).
Issue: Fees

Complaint: I recently received a refillable prepaid XXXX card in the amount of {$25.00} as a gift from work. After 10 days I was billed {$5.00} as " monthly management fee ''. My complaint is, how can a credit card company charge such high fees just for providing the card? On a {$25.00} card that 's like 100 % interest per year ( maybe more )! This is on top of the fee that they charge the company where you use the card ( usually 2 percent I think ), and the fee charged when you purchase the card ( usually around XXXX dollars ). How can the government allow such usury rates to be charged by creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with CITIBANK, N.A. (CT).
Issue: Managing the loan or lease

Complaint: We purchased a Subaru SVX XXXX XXXX : XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015 in the amount of {$1500.00}. After standing in line for 4+ hrs. XXXX we were told that the title has a Lien on it from Citibank NA. After numerous calls XXXX she has since blocked our number. I called Citibank who referred me to XXXX XXXX XXXX as well as XXXX both of which of been unsuccessful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (Medical) with Brennan & Clark, Ltd., LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collector from a collection agency contacted our office today. This was during a time I was yet in the office ( I am the XXXX XXXX ) so he instead spoke with our receptionist. The following is the receptionists written account of the conversation, " XXXX XXXX said this matter is urgent and was upset that none of his messages or XXXX letters have had a response. He said if this matter is continued to be ignored the legal matter will have to escalate. He then started asking me if we had a lot of attorneys or collection agencies call us. Or if we were filing for bankruptcy. I told him that this was not something I would comment on and I would pass his message along. He was really rude to me and said 'well, be sure you give my message this time. ' He said he would be in his office until XXXX today. " This is completely unethical means of communication. Not only, was this phone call harassment it 's also slanderous for both the owner and the business. XXXX XXXX is not allowed to speak with anyone other than the owner about this matter. He should not disclose information or make slanderous accusation such as, " [ do ] we have a lot of attorneys or collection agencies calling us. Or if we were filing for bankruptcy. '' For XXXX XXXX to have expressed this to the receptionist is unacceptable.

Company response to consumer: Closed
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified on XXXX XXXX, XXXX letter which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate, incomplete or erroneous. 
The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no account information in XXXX and from XXXX, XXXX and no information in XXXX. 
The account also lists no balance or past due balance or charge off amount.

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 08-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Unable to lower monthly payments to an amount I can afford

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with STERLING JEWELERS, INC. (PA).
Issue: Billing disputes

Complaint: I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went into XXXX XXXX XXXX to get information on a car. I was asked where my credit was on a scale of 1-10. I said 10. The salesman then asked me to put my name, social security number, date of birth and signature on a paper.. I specifically said " Your'e not running my credit, right? '' and he said " No, we go based on what you tell us your credit is at this stage. '' I had n't even been in the office more than 5 minutes! had n't looked at a car, test driven the car, anything. So, eventually I test drove a car, did n't like it. Left. Came home and checked my credit and my credit score dropped XXXX points because of a hard inquiry by XXXX XXXX XXXX. After they explicitly told me they were NOT running my credit they still did! I did n't even try to finance anything!! I have n't had a hard inquiry in YEARS. I never apply for credit!

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
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: After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX from XX/XX/XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have a fraud alert on my credit bureaus. I applied for XXXX and XXXX XXXX. Both use XXXX XXXX. I received letters from XXXX XXXX referencing both accounts and I had to called them. They verified all the information with me and I thought everything was solved. d. Today I revieved a letters from XXXX XXXX saying they could n't verifiy with Equifax. on both XXXX and XXXX XXXX. Equifax is more than aware of my identiy. Ihave faxed and mailed my SS card and my drivers license. ( that complaint you will be receiving also ) Can someone help me withg getting all of my information correct with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
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: I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and XXXX Credit reports. The XXXX and XXXX  report clearly shows that my last payment was in XX/XX/XXXX, but citimortgage reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written citimortgage and they have yet to respond. when I call citimortgage I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (Other mortgage) with ACADEMY MORTGAGE CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 my XXXX XXXX School was to partner with XXXX XXXX and XXXX XXXX from Academy Mortgage to offer a 3 hour continuing education course for XXXX called XXXX at their office located at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ. We agreed Academy would pay a {$100.00} sponsorship fee ( which included a {$50.00} discount for hosting the class ) in addition to attendees paying {$20.00} per ticket via our registration website on eventbrite at XXXX. On the day of the class we had XXXX people attend who did not pay and XXXX people who did pay and could not figure out how this possibly happened. We taught all of them, and had to provide continuing education certificates regardless of if they paid to attend or not. We also tried to collect the {$20.00} fee after class from unpaid attendees and were unable to collect payment after the fact from XXXX students. We later found out Academy Mortgage had fraudulently reproduced a similar registration site on eventbrite.com with our school information and sold FREE tickets to our event without our knowledge or permission. The course they sold free tickets for is the intellectual property of my XXXX XXXX School. We learned this information from XXXX XXXX who sent us copies of their free tickets from Academy Mortgage and we had to honor ( copies of tickets attached ). At the time of the class Academy also invited XXXX additional sponsors to participate without any prior knowledge or permission from our School. I learned XXXX of the sponsors was with XXXX XXXX XXXX XXXX and another was with an insurance company but I was never able to identify which one. XXXX XXXX XXXX XXXX was sent an invoice for sponsorship which they paid promptly. Academy Mortgage refused to pay the invoice for sponsorship they agreed to XXXX XXXX, 2016 and offered XXXX agents a free benefit while allowing XXXX others to pay which is not fair. Both XXXX and XXXX acknowledged the {$20.00} fee in an email attached on XXXX XXXX, 2016. When XXXX XXXX and XXXX XXXX were confronted with this information, I was asked to speak with their supervisor XXXX XXXX. During our phone call when presented with the aforementioned information I was hung up on. I tried to collect the debt from Academy Mortgage numerous times unsuccessfully and they are still actively promoting XXXX classes. I do not want this harm to ever happen to any other persons and hope Academy Mortgage along with XXXX XXXX, XXXX XXXX, and XXXX XXXX will be held accountable for their blatantly fraudulent activities.

Company response to consumer: Closed with explanation