milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Debt collection (Auto debt) with Global Lending Services LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to 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 06-03-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (GA).
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 was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : WORLD FINANCE CO ACCt # : XXXX I do not have a debt with World Finance Co and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up. 
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2014 I was provided a trial payment of 3 months in which I did pay the 3 months. At the end of the XXXX month I was never provided with the final modification to fulfill the terms. I then resubmitted for another loan modification as I was told by an SPS representative that I do qualify for the HAMP program and provided all required documents on time and was then denied. I still have never received a clear answer as to why my trial modification was never finalized and am now facing another upcoming foreclosure sale due to this matter. I also am not receiving any responses to my written or oral requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Managing the loan or lease

Complaint: I went through this awhile back, Bank of America lost my mortgage to the tune of $ XXXX.They would not do anything to set it right. They were to busy because they were selling a Bank in XXXX. The other Bank was a shady one also. How can the XXXX let this go in our country. Got to go now steamed up again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wrongful foreclosure. Violation of CA bill of rights. Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ) and other mortgage laws by Select Portfolio Servicing ( SPS ) acting as servicer for XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Equity Pass Through Certificates, XXXX XXXX. False CA. Declaration under penalty of perjury on California Declaration Of Compliance dated XX/XX/XXXX included with Notice Of Default by XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX contact was made with me on my cell phone be a representative of SPS regarding delinquency in payments. I advised her that I and co borrower sopuse had a significantchange of circumstance as my husband, XXXX XXXX, the co borrower, was diagnosed with XXXX XXXX on XXXX/XXXX/XXXX after being ill but undiagnosed for one year. I advised her that our business income had significantly dropped. I advised her that our mortgage interest rate of 8.625 % was still too high and we needed a modification review. The representative falsely and unlawfully advised me that a review for modification was " NOT AN OPTION '' because we had just received a modification XX/XX/XXXX. It was not until I received a free consultation with an attorney that I learned that if there is a change of circumstance, the mortgage company/servicer/bank Must by Law review the loan for possible modification. 
Select Portfolio Servicing and XXXX XXXX XXXX in direct violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). a Sale Date is scheduled for XX/XX/XXXX assigned by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX I am requesting a postponement of the sale date. A Notice of Error has been sent to Select Portfolio Servicing via overnight mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I recently submitted a complaint ( number XXXX ) regarding mortgage issues with Bank of America. A representative called me on XXXX XXXX or XXXX, in regards to the complaint, and during that conversation, the representative started laughing at me and my situation. This is now the person who they have assigned to assist me with my mortgage. Also, during that conversation, ( after the representative started laughing at me ), I asked to speak with his supervisor. I was told she was not available, but that she would call me back in 30 minutes. The supervisor did call me back, and was helpful, sort of. She explained that she would be sending me some documents, and would call me back on Friday XXXX XXXX at XXXX. ( her name is XXXX XXXX XXXX. We set up an appointment for her to call me. She never called me. I called her at about XXXX XXXX and received her voicemail. This seems typical of Bank of America as I have been dealing with them on trying to get a loan modification XX/XX/XXXX. They keep saying they are sending out documents, and they never do. I spoke to them back XX/XX/XXXX and was told they would be sending the documents. I also requested the documents multiple times in XXXX and XXXX as I had regular bi-weekly phone calls scheduled with my " dedicated account representative. '' These dedicated account representative has indicated on my account that I was unresponsive and Bank of America has now placed my home in foreclosure after they refused/returned my payment to them to bring my mortgage current and up to day. They are now making me pay additional fees totaling {$450.00} + potential escrow fees + the amount of money I sent to them XXXX which they refused ) in order to remove the foreclosure status of my loan. They are also requiring that I send my payment in certified funds or a money order, which of course costs additional money, plus they only gave me 4 days to get the payment to them and require it be sent overnight express mail, which also costs additional money. They really are not looking out for people who are struggling to pay their mortgage and are doing what everyone says to do, and that is stay in contact with your mortgage company and attempt to make arrangements to pay. Bank of America does not follow through with what they say they are going to do, and in the mean time, when consumers are doing what they say they can do, Bank of America puts your home in foreclosure. There are many websites that warn consumers to be aware of scams ... .well, I think Bank of America should be added to the list of scam artists.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2015 and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX 2015. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I  would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX 2015. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

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 10/28/2016 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I am trying to get a home loan  and Nationwide Accptance LLC is rep orting my loan as in repossession and written off. I am current on my paments.

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 02/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Customer service / Customer relations

Complaint: Hello and thanks ahead of time for reading and/or offering any help. 
The story begins with a trip to XXXX XXXX. My wife and I had decided to take a trip XXXX and about three days into being in the country I got news that my credit card was compromised. Here I am, with my now-useless travel rewards card. So much for no foreign transaction fees. 
I call up Bank of America and ask them about what I can do. They offer to send me a new card but I 'm out of luck because my wife and I have to keep moving. We were hiking a trail and had to be certain places on certain days. No time to wait around and have a card delivered. 
I told Bank of America that I would n't bother and I 'd just use cash. They offered to waive my foreign transaction fees on my other credit card. They could n't change the terms, but they would put a note in my account and if I called up they would credit my account for the cost of the fees. 
The first month was annoying but alright. I called up they said it could n't be done, they led me around to supervisors until they dropped my call. I then called again ( immediately after ) and the first rep I talked to credited my account no problem. I had also been notified that I did n't need to call every month and that I could simply call up once when I got back to the XXXX. 
Now, here we are, 3 months later and I 'm back home in the XXXX with some time to call up BofA. The rep refuses to credit my account, says I agreed to the terms and conditions and that I agreed to fees. I explain the story, she says I ca n't be credited. She transfers me to a XXXX. I talk to the XXXX, same story. She tells me she see the note but the first time was a courtesy and they could n't do it again. I ask for someone higher up, they give me the run-around and say there is n't anyone else available. 
BofA lied to me. They took my money through fees that they promised to reimburse me. I only have some minor details recorded of who I talked to and when those conversations took place, but none of this is helping me. I feel helpless and quite frankly, used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief