milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with NATIONAL AUTO LENDERS, INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>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 explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt is stale, from 2003. 
Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Prospect Mortgage, LLC (IL).
Issue: Settlement process and costs

Complaint: In XXXX 2015 I was shopping for my XXXX mortgage. I was negotiating with several lenders. XXXX XXXX, then with Prospect Mortgage, matched an offer from another lender - 20 % down and 3.125 % rate. 

When I started reviewing the initial paperwork, the numbers looked incorrect. I mentioned to XXXX that I did n't expect to have to bring as much cash to close as the paperwork suggested. XXXX reiterated over and over that lenders are required to overestimate, that the actual amount at closing was going to be significantly less. 

I continued to express concern with the numbers, but she was incessant that I sign - I would see later, she said, that the amounts went down. Being a first time mortgage client, I ultimately gave in and signed. 

I later discovered that XXXX was quoting me numbers with 25 % down rather than 20 %. By this point, I had no choice but to stick with this lender ( otherwise I would have lost the contract on the property ). In order to receive a loan with only 20 % down, I was forced into a loan with a higher rate.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.

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 07-10-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told American Express do not settle debt. Therefore, I am not disputing my balance with AMEX. I am willing to pay what I owe to them. <P/>I was summons to court by XXXX XXXX XXXX, XXXX. regarding the {$3200.00} past due balance I owe AMEX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told XXXX entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with AMEX or XXXX collection department to make a {$300.00} payment on-demand and recurring $ XXXX monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called XXXX XXXX XXXX office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. XXXX 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by XXXX XXXX XXXX. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. XXXX another cost of XXXX in addition to the $ XXXX monthly installment agreement between XXXX XXXX XXXX staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay AMEX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects XXXX 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in XXXX 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with Argon Credit (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Home Finance would not consider me for any program when I became XXXX and unemployed. Their idea of a re-modification was to increase my payment that I already could not make/afford by over $ XXXX monthly. They cancelled my home owners insurance that was less than {$1000.00} and replaced it with a policy over $ XXXX yearly. I did have an attorney who retired and passed me on to his partner who did NOTHING except process me right into a sheriff sale-foreclosure. They offered me nothing ( no programs - no options ) even though I submitted all documents as instructed per Chase 's employees. Have No idea what my rights were or are as I am not an attorney and can not afford one. All I know is I put $ XXXX down for my $ XXXX that 's worth under $ XXXX and now I owe close to half a mil with all of Chases crazy fees-YIKES!!!. Thanks to the foreclosure on my credit report now I ca n't even qualify for anyone to show me an apartment let alone rent me one and am headed into being homeless with my stealth medical condition. Chase ignored my pleads for assistance and their operators are like a bad joke. Each one you speak to gives you different MIS-information that leads you to nowhere. Do yourselves a favor stay away from chase and anyone connected to them. Good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: InXX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: When I took out my mortgage ; the company I took out my mortgage with advertised low mortgage payments. The first couple of months were affordable. However, my mortgage payments increased so high that I was not able to keep up with my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment to Freedom Mortgage on XXXX XXXX, 2016 for my XXXX XXXX, 2016 payment. Freedom Mortgage says my bank XXXX did not pay for insufficient funds. I had sufficient funds in my account on XXXX XXXX, 2016. I made another telephone payment with a representative of Freedom Mortgage on XXXX XXXX, 2016, and today XXXX XXXX, 2016 Freedom Mortgage tells me that my bank XXXX stopped payment. I show no stop payment on my XXXX account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage not to take two payments from my account. Freedom Mortgage just keeps saying things that are n't true. Also Freedom Mortgage had the wrong address to mail my bill to. I have been with them unfortunately for 16 months and Freedom Mortgage changed my mailing address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive at a minimum XXXX phone calls a day from them. They never leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with National Arbitration Forum (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set.

Company response to consumer: Closed with explanation