milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Student loan (Non-federal student loan) with Javitch, Block & Rathbone LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.

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 09/20/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. 
XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Medical) with Martin & Seibert, L.C. (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???

Company response to consumer: Untimely response
Consumer complaint received 11-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: They ca n't prove I ever took out XXXX student loans in XX/XX/XXXX to XX/XX/XXXX and refuse to provide original copies ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: My husband leased a jeep from Chrysler Capital for three years, last payment is in XXXX, 2017.In all this time our payments have been made on time. Recently, my husband past away. He was the only driver of the car. I called Chrysler, told them of my circumstances and that I wanted to pay the remainder of the lease, and hand in the car. They told me that I could pay off the lease, but I could not hand the car in without extra charges. The car is in excellent shape with XXXX miles on it. So, this did not make sense to me. 
They told me to send in my husband 's death certificate and maybe they could wave the charges. Ofcourse, I never heard from them. Calling back a third time and yet again, getting a different answer, I was told that they had death certificate but were doing nothing to help me. Frankly, I was beginning to feel as if they thought I am old and stupid. But, the worst thing of all, was on Monday XXXX, 2017, at XXXX, there was a pounding on my door and the man said that he was there to repossess the jeep. The only thing he would tell me was that it was Chrysler Capital 's orders. I then saw that there was a man at my back door, and I was so frightened that I called the police. The officer told me there was a report that they were picking up the car, so I had to let them take it. I was so upset that I stayed up all night until I could call Chrysler in the morning. They made a big mistake but they would return the car, would I like to pick it up, and they were not going to charge me for the towing!!! Can you believe it????? I truly feel like they are trying to take advantage of me. 
Even the dealer involved in the lease ca n't believe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2016 about Consumer Loan (Installment loan) with Westlake Services, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 11/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this Capital One Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this XX/XX/XXXX to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX XXXX XXXX. They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by capital one all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said Capital One and XXXX XXXX XXXX is reporting it this way. So they are giving me the run around. I am at a dead end because they are not following the FCRA Regulations. They have different information on all XXXX reports showing information that is clearly not proven with any documentation or the reports would match one another. 
Bottom line, Capital One sold this debt when they were told to delete it by the credit bureaus because they could not provide the information necessary to satisfy the dispute. They then went on to sell it months later and told XXXX XXXX to report that it was sold to them XX/XX/XXXX. XXXX XXXX XXXX is now violating FCRA regulations by reporting false information and incomplete information without any documentation that has been requested numerous times. They are acting reckless and negligent to my family and I financial situation and hardship. This account needs to be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: Caliber Home  Loans will not pay our property taxes. They were due  XXXX   XXXX , the taxes were n't paid. Then we got another bill for another due date of  XXXX   XXXX  with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in  10  business days, but they did n't. Then they said they will send it in 5 business days.  Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I HAVE BEEN AT BANK OF AMERICAN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with AR Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AR RESOURCES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Payday loan, title loan, or personal loan (Installment loan) with Monterey Financial Services LLC (AR).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX  she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Advertising and marketing

Complaint: us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Mortgage (VA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not 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 08/24/2015 about Consumer Loan (Installment loan) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. 
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PROSPERITY BANCSHARES, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.

Company response to consumer: Closed with explanation