milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Equifax. The disputes came back as verified from Synchronicity Bank / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (CO).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.

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 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was unaware of this balance until i pulled my credit report. I provided a forwarding address when i moved from XXXX XXXX but i never received an itemized bill or any correspondence therefore I was lead to believe everything was okay. After seeing this on my credit I called the properties management company to ask what the balance was for I was then told they could not help me since it was now in collections. After being told this I mailed a letter to IQ DATA INT asking them to provide proof of this debt by sending me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

IQ DATA INTI has never responded to my request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my 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 07/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. 
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. 
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  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 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I work in collections so I am very familiar with all fdcpa violations. I was taught the most important rule is YOU MUST VERIFY WHO YOU ARE SPEAKING TO BEFORE DISCLOSING PRIVATE INFORMATION BY VERIFYING THE SOCIAL ETC. I was called by trans world systems, XXXX, she said is this XXXX, I said yes ( just to trap her because anybody can just say yes ) and she immediately went into what debt is owed, the amount, and my intentions of paying it back. I got her name, company name, advised her she never verified who I was and that she violated fdcpa regulations and asked to speak with her manager ( XXXX. ) I told XXXX that her rep never verified my social or anything else and that she violated fdcpa regulations. She told me she has been in collections for 10 years and so I asked her if she verifies the social before disclosing PRIVATE INFORMATION and she said of course. I asked what can she do to correct this problem and she said all she can do is apologize because her rep violated fdcpa regulations. I advised her I will be making a official FTC complaint and if needed will be contacting a attorney. Again she apologized and we ended the call. Also, in atleast one incident, multiple voicemails were left in one day which is also a violation of fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with Premier Recovery Group (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received phone call from XXXX, a company called XXXX regarding an alledged debt I owe to their client. Claiming I owe for a payday loan? I do n't and have n't used any payday loan company ever. Thank you.

Company response to consumer: Closed
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (IL).
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 do not have a contract with this creditor, I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections, credit bureau reporting, and other scary actions. We have attempted to work with them and provided documentation of her full time XXXX program but they have rejected this. We are unsure what to do and have nowhere to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Im make payments on time, and ask for increasing credit line XXXX, and today them not respond, I have more than 24 months with this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other

Complaint: I was decieved into thinking I was going into a payment plan for my dentist and it turns out I was actually enrolled for a credit card. I have had trouble since then cancelling my account without it effecting my credit score.

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 10/18/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawful add inquiry to my report

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient robocalls 5 times a day both my home phone and my cell phone. It is my son 's student loan. I did NOT co-sign his loan and have told them in writing to stop calling my cell phone. I wrote to them and faxed the information to have them stop calling me. My son does not live with me. Yet, they continue to robocall XXXX phones.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My monthly payments were extremely too high so I had to do the deferment forbearance and the IBR. Payments were still to high and so we 're the interest payments.

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 EQUIFAX, INC. (MD).
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 sent certified mail to XXXX, Equifax and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).

Company response to consumer: Closed with explanation