milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX XXXX acted as a debt collector for Midland Funding. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Franklin Collection Service, Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Experian many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

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 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 01/22/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   XXXX   AND INNOVIS.     PER THE  F.C.R.A  LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. Hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

I took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN 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 04-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: . 
My daughter needed financial support in getting repairs completed on her car which had been wrecked. I called the auto repair shop and talked to the owner. He told me that all work to this point has been concentrated on restoring the body work and no work has been done " under the hood ''. I asked what it would take to get the car in working order. He gave me an off the cuff verbal estimate of {$600.00} to {$800.00} for his shop work plus {$200.00} for painting. I found this acceptable and asked for a written estimate. I never received a written estimate. On XXXX XXXX he called and told me the car was finished and available for pickup. He told me the charge would be {$1300.00} and required me to give him my credit card information over the phone ( I live in another state ). I asked him for an invoice. I received an invoice the next day by email. On XXXX XXXX my daughter picked up the car. On XXXX XXXX, I see a charge of {$1300.00} on my credit card statement in addition to the {$1300.00} charge I approved. I had no idea where it came from. I had received no estimates or invoices to that effect. I emailed the owner a demand that the charge be removed from my account. After a few days it had not been removed and I filed a formal dispute over the phone with Bank of America. On XXXX XXXX, 2015, I received an adjustment of - {$1300.00} on my XXXX statement. I was relieved thinking the issue had been resolved. On XXXX, I noticed a debit of {$1300.00} by the auto repair shop on my credit card statement. 
I called BA and asked about it ; I was told my dispute had been overturned. I was told the auto repair shop had submitted documents to support its claim. I asked for and received a copy of that documentation. I was never presented with opportunity to submit any documentation to challenge the shop additional charge prior to it being overturned. After it was overturned I was offered the opportunity to submit documentation. I sent XXXX pages substantiating my position. It was too late. Bank of America was in no position to change its mind. 
The repair shop had my card information and the machine to make the charges against my account. The shop owner said the additional charge was for a catalytic converter replacement. The catalytic converter was no where near the area damaged in the wreck. Months later I was not able to get an explanation on why it was replaced. Maybe it was n't replaced, maybe it was needlessly replaced or maybe it was stolen while the car was in an unsecure area and had to be replaced. 

I depended on Bank of America to protect me from fraudulent charges and for XXXX years they did so ; not this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.

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 01-09-2017 about Debt collection (Medical) with Choice Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX XX/XX/XXXX. XX/XX/XXXX, after insurance payments had been settled, my doctor 's facility billed me for {$3600.00}, which I believed to be in error. XX/XX/XXXX I contacted his office and spoke to the billing department and explained that because the doctor was in-network I expected to pay only my {$500.00} deductible. They agreed that I was eligible for the in-network rate, that I owed nothing to the facility, but instead I owed {$340.00} to the doctor to meet the remainder of my deductible. On XX/XX/XXXX I received this revised bill for {$340.00}, which I paid in full on XX/XX/XXXX. 

XX/XX/XXXX I noticed a collections account reported on my credit report for {$3600.00}. I had not recived any communication from this debt collector prior to the notice appearing on my credit report. I contacted the credit bureau for the debt collector 's contact information. I called them, explained this situation, and provided documentation. They are claiming that I still owe the original {$3600.00} which the doctor 's office billed in error. I attempted to resolve this with the doctor 's office directly, but the doctor has since moved and that office is no longer open.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: My credit score went down more then 30 points. I called Transunion and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call XXXX to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX  put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax 's website to check for potential impact on their breach resulted in automatic enrollment in their program TrustedID. They said that if I inputted my information I would be able to figure out if my information had been compromised. However, when I did so, I received a message that said that I had been automatically enrolled with a date of X/XX/17. While I know that my enrollment is not complete, there website is advertised incorrectly to 1 ) provide me on information on whether or not my information had been compromised and 2 ) ask for my consent prior to enrolling me in their program. This must be fixed immediately.
https : //www.equifaxsecurity2017.com/potential-impact/

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Medical) with ALCHRO INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (MO).
Issue: Shopping for a loan or lease

Complaint: I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.

Company response to consumer: Closed with explanation