milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle lease) with VW Credit (FL).
Issue: Taking out the loan or lease

Complaint: I went to XXXX XXXX XXXX to get options to trade in my XXXX XXXX XXXX XXXX lease. I was over mileage so the dealership offered me to put a {$2500.00} down payment on a new lease with {$340.00} a month that we hassled with incessantly but they said I had so much in overage that this was the best I could do. I relented but agreed. Months later I start getting letters from VW credit saying that I did n't satisfy the amount owed on my prior lease. The dealership told me that when I got my new vehicle the reason I was putting so much money down was because I was so much over and it turns out they lied and had not satisfied my lease. I reached out to the finance manager XXXX several times, he asked me to get an invoice from VW I sent it to him via email and tried to call and follow up several times and have not heard back. Not considering my many phone calls that he ignored on email I reached out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and since then when he did n't respond I have been Corresponding with XXXX XXXX sending her the email on XXXX/XXXX/XXXX. I have called XXXX several times which I can document at least 9 times and have only received responses 3 times. I am now in collections thanks to their finance team at a time when I 'm looking to purchase a home among many other changes I 'd like to make. I demand that they honor what they told me and satisfy my outstanding balance, that they write a letter to the credit collection agency stating this was an error and I receive a satisfaction letter stating that it is being removed from my credit and it will not affect my credit rating. If both of those conditions are not fully met I will most definitely file a lawsuit, and if lawful, seek out other plaintiffs who must have had this same experience since there is an apparent culture of making false promises to churn over clients hoping that they 'll pay the excesses they lied about covering so they can make bonuses as a high volume dealership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my Equifax credit report on XXXX/XXXX/XXXX I noticed multiple unauthorized credit inquiries on my report. I have contacted Equifax, and the reporting companies multiple times concerning this issue with no results, they continue to report inquiries saying they are factual. I would like these inquiries removed from my report. I have listed the inquiries in question below. 
XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX 's XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. City of XXXX XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX Bank XXXX credit XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. Equifax XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (WI).
Issue: Struggling to pay mortgage

Complaint: My kids father told me the only way he would support my desisions reguarding my children was if I stopped XXXX payments and wrote off the back pay because my mother was telling my daughter to lie to me about things I did not want for my daughter. I filed for bankruptcy and 3 months later I was fired. I have a learning XXXX and I stated this to my attorneys from XXXX and XXXX. I have no one will contact me back. I have tried to email XXXX and XXXX. Last time I went into the office they told me to file for chapter XXXX once I have a job. I am a XXXX XXXX XXXX at XXXX. I give up my car. I have no support from anyone. I can not loose my house I am a single mother of XXXX amazing children. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Settlement process and costs

Complaint: I was tricked into an all interest loan without given all the information of want the loan actually was until I started noticing that my principal did not move. The loan started out at XXXX and after 12 years it 's down to XXXX after I have put XXXX of my money straight to principle. 
the company is citi -finance. I have been told that i am under a predator loan. But no one has told me want to do about it. I refinanced the loan with them and they pushed the loan back to a thirty year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I have sent letters and called many times about this account to Conn 's. Conn 's have CON me out of hundreds of dollars and also have me with a 30 day late on my credit bureau report. This account was paid off in XXXX XXXX. Conns contacted me letting me know that I had a balance on my account as of XXXX XXXX. 1 1/2 year later they called me and told me I had a balance still owed. Conns also harass me by calling me multiple times a day after I repeatedly asked Conns Not to call anymore. I talked to someone at Conn 's on XXXX/XXXX/XXXX. I asked her what was the balance because I wanted to pay the account off because it was a promotional purchase of {$1600.00} if paid by XXXX XXXX. I paid her the total amount she told me I owed on XXXX/XXXX/XXXX. This is FRAUDULENT of Conn 's not to give a fair investigation to my account, I paid on all my accounts on time. They are still collecting money from me on this Account. I asked them several times to pull the tape of the call I called on XXXX/XXXX/XXXX to make my final payment which she said was {$950.00}. I also talked to someone on XXXX/XXXX/XXXX and she said if I paid {$150.00} that my balance will be paid in full. She lied. I was still being harass and then I found out that they reported me 30 days late on my credit report. I have ALL my receipts and paperwork. I can be reach at XXXX to discuss this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Consumer Loan (Installment loan) with BARCLAYS BANK DELAWARE (AZ).
Issue: Managing the loan or lease

Complaint: sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I getting almost daily calls from this agency, threatened and tried to garnish my XXXX benefit, I am still XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I got a CareCredit card to use in case of a medical emergency. I felt comfortable knowing that I had access to immediate funds to use in the case of a medical emergency. I had a medical emergency come up and was really relying on my CareCredit card in order to pay for the medical services I needed. I go to use my card and it is declined. They tell me that the account has been closed due to inactivity. Because of this, I was forced to use my rent money. Now my checking account is sitting in the negative and I am being charged more every single day that it is in the negative. I am also now unable to afford gas and food and when the time comes to pay my rent, I will not bad able to pay it. Because of this event my having a place to live and a job is now at risk. CareCredit has been completely unwilling to help other than telling me to just reapply. I will no longer be able to take care of any medical issues because CareCredit decided to close my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX of 2015 I requested assistance from their Home Preservation department, because I became unemployed. Under the plan terms and conditions, I agreed to make partial payments to Wells Fargo until I could make full payments, or refinance my mortgage. At the end of the plan term, I successfully completed refinancing my home. The initial documentation that I received and submitted to Wells Fargo states During the plan period : We ( Wells Fargo ) will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. However, per my credit report, it appears that they have reported that payments were paid late for 12 months, instead of paid partially. Im disputing Wells Fargos reporting because they did not clearly indicate that they would report every payment made under the trial period as late. The wording on the documents attached literally state we will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. I would also like to point out that during the time that I entered the plan, the Home Preservation department was a new entity at Wells Fargo. I talked with 3 different Home Preservation Specialist who handled my case, and stated that due to the newness of the department, policies and protocol was constantly changing. I feel that I was not provided with the correct information at the initial agreement of this plan, which could have affected the outcome. I feel that Wells Fargo should amend or correct their reporting in a way that reflects what I initially agreed upon. I have since contacted the Better Business Bureau, to which I have gotten no results. at this time Wells Fargo still Believes that they have reported fairly, despite the inability to accurately inform me as the consumer.

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 08/29/2015 about Debt collection (I do not know) with E. A. Uffman & Associates, Inc (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Checking or savings account (Savings account) with M&T BANK CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.

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 07/30/2017 about Debt collection (Private student loan debt) with AES/PHEAA (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.

Company response to consumer: Closed with explanation