milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NY).
Issue: Shopping for a loan or lease

Complaint: I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is 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 non-monetary relief
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MO).
Issue: Managing the loan or lease

Complaint: I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
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: 1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citi XXXX took a double payment from my account. When I called about it, I was told that they would credit my bank account within 3-4 business days. On the 5th business day the funds were not there. I called them back. They said that the credit was under review and it may take an additional 3-4 business days. I told them that it was not what I was promised and gave them an alternative that if they could not credit my bank account back that I would accept a waiver of my XXXX payment instead. They informed me that it could not be done. This is false information as I myself work for another credit card company and it most certainly can be done. I informed the supervisor that if they could not credit me in a time that they promised and were unwilling to compromise with my alternative solution that I would file a complaint with the CFPB and any other entity that I think could help me, and help my fellow Citi cardholders get some common sense policies put in place.

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 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.

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 06/14/2016 about Debt collection (I do not know) with ROC Asset Solutions, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.

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 06-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am being sued in small claim s by Midland Financial/ Midland Credit Management .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX .     Without any prior contact I was sent a Summons to appear in Small Claims Court in  XXXX , GA. I am to appear in court on  XXXX   XXXX .     Because the claim did not have any contact information for the persons suing me, I had to look it up online. I found the address from where they looked at my credit history. I sent a letter requesting all informati on Midland had on my debt to be sent to me. They have failed to send me any such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Management Company (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.

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 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong 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 03/29/2017 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (CO).
Issue: Application, originator, mortgage broker

Complaint: Our mortgage is serviced by XXXX. Our mortgage originated in XX/XX/XXXX with Fairway Mortgage. This complaint is concerning Fairway. During the service transfer process, Fairway provided XXXX with an incorrect and outdated HUD Disclosure, causing our monthly loan payment to go up {$200.00}. Thankfully, I am a consumer protection attorney and spent the last year working specifically with mortgages, so I was able to ascertain that the issue was with Fairway and the incorrect HUD Disclosure. I was able to provide XXXX with our correct HUD Disclosure and, as of this moment, they say that they will handle it. Fairway, however, failed to provide XXXX with a complete file on our loan for the service transfer audit, as they are required to do in compliance with CFPB rules. I believe that I have taken care of the complaint and the CFPB does not need to take any action at this time, but I would like the CFPB to be aware of Fairway 's negligence in providing proper and complete documentation during a service transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (MT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation