milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (UT).
Issue: Shopping for a loan or lease

Complaint: About 23 months ago I went to a Nissan dealership in XXXX, UT to look into a lease. I test drove a few cars and afterwards the salesman had me speak with his manager and store manager. They were all friendly and told me stories about their family members who are also service members. I told them that I was just looking and not ready to lease. After talking for several minutes, and much pressure from all 3 characters I decided to move forward with the lease. I told them several times that I only had {$500.00} to put down. They insisted over and over again and I ended up putting {$1500.00} on my credit card. I also told them I wanted full market value for my car that I was trading in, which was {$10000.00}. They gave me {$6000.00} for my car. After all was said and done I was stuck with a high monthly payment of {$400.00} for a sedan lease, was undercut {$4000.00} on my trade, and was pressured into a bogus deal and a {$1500.00} debt of money I did n't have. I thought I could trust these guys since they talked so sincerely about their kin who were service members, but I ended getting played. Never doing business with them again. Please learn from my terrible experience and do n't let con salespeople like these man trick you into giving money you do n't have and making false connections with you just for your money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with One Source Technology (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: it sais i have a drivin g on suspended license ticket within 5 years of being suspended for a dui ive never hade a dui in my life nor been convicted of one ive never been pulled over for drinking ever

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (MN).
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 leased a  XX/XX/XXXX  Toyota  XXXX  since   XX/XX/XXXX . My  monthly payment is  XXXX . I requested a deferral  of two o f my lease payments for the months of   XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I  pai d two d eferral fee 's of  XXXX  each. I was told that the payments for the month of  XXXX  and  XXXX  would be added to the end of my lease. My credit reports show for the month of   XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further.  This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way Toyota has reported.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax removed many CURRENT accounts from my credit history, which had a great impact on the age of my credit history. As a result, my credit score decreased by 65 points! This may be due to confusion over my single vs. married name.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Auto debt) with AMERICA'S CAR-MART, INC. (AR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Me and my husband was buying a car off XXXX ar XXXX  XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Westside Recovery Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Madam/Sir, this letter is a formal complaint that is reporting inaccurate credit information. Specifically, they want to screw up my credit and threatening me to a pay the amount that I do n't owed them. The charge is incorrect and misleading by this collection company and fraudulent. I am very distressed that in my credit profile due to its effect. Please help me to stop these gangbusters. Please adviseI was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
WESTSIDE RECOVERY SVCS {$4200.00} as of XX/XX/2015Collection account. {$4200.00} past due as of XXXX 2015. 
Their XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX never signed or get any treatment by this company as of 2015 or prior to that year. 
I do n't owe them {$4200.00} dollars. They 're scamming and ruing my credit. Please help me taking care of this weird issue from this company. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Marlette Funding, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number. 
They also call me repeatedly, even after speaking with them and making payment arrangements.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not do their due diligence to protect data and lost over 143 Million social security numbers

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met the requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion and they will open a separate investigation with no timeline on a response ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX I called Kholes to ask about their late policy, the lady I spoke with let me know that they report every 2 months and that if I made my payment for XX/XX/XXXX before the end of XX/XX/XXXX they wouldnt report and I would be ok. I made my XX/XX/XXXX payment in XX/XX/XXXX I believe and a couple of days later I got a notification from XXXX XXXX  that my payment history had changed. They reported me late after I was told that wouldnt happen. Since they I have called multiple times and I get told theres nothing they can do. I have even spoke with 2 managers and one was no help at all and the other stated she would put in a request to the credit bureaus I told her ok thank you. I then just got a letter on Monday XX/XX/XXXX that they can do anything once again and they are reporting correctly. This is my last attempt before I go to the XXXX. I have tried every avenue for them to correct their wrong doing after I was told one thing and then another thing happened. Its not fair to me to have to go through this situation with them and they have no sympathy or understanding of what happened and the simple thing I am asking for from them to fix it. This is my last attempt for Khols to make this right or my next step is to go through the XXXX. If once again I get a response saying theres nothing that can be dont I will go to the XXXX   and also close out this credit card and will never shop at Khols ever again. This is my first time having their credit card and the service they provide to their customers is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. 

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. 

I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX  XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/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 explanation
Consumer complaint received 05/23/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, I received a notice from Bank of America , NA. Attention : Default Servicing, from the XXXX office. In all caps, it used legal titles of the loan successor, etc, and then in the bottom XXXX of the front page - in BOLD and CAPS " IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORCLOSURE OPTIONS '' ( and continued with ... ) " You must respond within thirty days of the date of this letter to take advantage of your rights. IF YOU DO NOT RESPOND within thirty days, a notice of default may be issued and you may lose your home in foreclosure. '' ( there is more that follows ). The letter is dated XXXX XXXX - nearly XXXX of the time to respond had already passed by. 
I became panicked but had to wait to the following day to get through to Bank of America 's debt collection office. After review of my home equity line of credit, the agent XXXX ( employee # XXXX ) assured me there is nothing with the account that is cause for alarm or includes a threat of foreclosure. I shared with her my alarm and criticism of the format of the letter. I also thanked her for assuring me that my account was ok. 
Also on XXXX XXXX, I 'd missed a registered mail piece from Bank of America on the same day this letter had arrived. I picked it up at the USPS later on XXXX XXXX and found that this piece, for which I had to drive to the local post office and sign, was the EXACT letter I 'd received the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Trouble during payment process

Complaint: My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MT).
Issue: Loan modification,collection,foreclosure

Complaint: we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I had my identity stolen, and a XXXX credit card for XXXX dollars was open in my name and used. the credit card company took away the card but it is still on my credit report and would like it removed because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I asked them not to call my work twice now in writing. They have called my work 4 times within the last 5 minutes. The number they are calling from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. 
We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. 
Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. 
Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. 
I URGE YOUR IMMEDIATE ATTENTION, PLEASE.

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