milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Vehicle loan or lease (Loan) with Carvana Group, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i am a victim of ID THEFT and an account from XXXX appeared on my credit almost two years ago, however it was removed. 

my complaint is that almost two years later while i am in the process of purchasing a home, Portfolio Recovery Associates have placed the fraudulent entry on my credit. Not once was ever ever contacted by them by way of phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX XXXX XXXX. I lost my job during the economic downturn in XXXX XXXX and my account because delinquent within a month or two. I did n't make any payments except ONE payment in XX/XX/XXXX. XXXX waited until XX/XX/XXXX to report this to the Credit Bureau instead of reporting this when the account first went delinquent. I 've submitted several disputes online and XXXX keeps claiming the dates are correct when they were n't because I was unemployed from XX/XX/XXXX to XXXX XXXX so there were no payments being made. Although this is scheduled to be removed from y credit report late this year, it 's unfair that this is continuing to hurt my score and get me higher rates when it should have already been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have sent repeated letters to XXXX/Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with SQUARETWO FINANCIAL CORPORATION (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received account balance option letter from FreshView date d   XXXX   XXXX  2017 in reg ards to : Current Creditor-CACH,  LLC  ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,    XXXX   XXXX   2017, I we nt to  the FreshView web site to take option   XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView  at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today ,   XXXX   XXXX  2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the   XXXX   XXXX   XXXX   XXXX   XXXX     and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until    XXXX   XXXX    2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making  4 payments  of  XXXX  on this debt befor e XX/XX/XXXX  as I  do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX. 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that XXXX/EQUIFAX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am the victim of loan modification fraud. XXXX XXXX and ditech financial are XXXX me. They added {$16000.00} to my balance and forged documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My private student loan is currently being serviced by XXXX XXXX XXXX. I called to defer my payments for the amount of time that I expect to be on maternity leave but I was denied because I do n't meet Chase 's requirements for deferment. And that my reason for applying ( XXXX ) was not a temporary situation. When I asked what the requirement guidelines are, I was told that Chase was under no obligation to provide that information to me. I tried to work with them but now I am afraid that I will have no option but to default on my loans while I am on unpaid maternity leave. I do n't want to receive collection calls while caring for a newborn, that will only add to my XXXX.

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach, and my information may have been compromised according to Equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH 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 07/17/2016 about Debt collection (Auto) with Westlake Services, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan originated via XXXX XXXX XXXX and included an assumption clause that would allow my daughter and son in law to assume the loan at a later date. Nationstar Mortgage purchased the loan from XXXX XXXX XXXX. Nationstar is now telling us there is no assumption clause despite paperwork I have to the contrary. I have no legal contract with Nationstar, all my contracts are with XXXX XXXX XXXX. By purchasing the loan, Nationstar assumes the terms and conditions of the original contract. I have spent countless hours on the phone with Nationstar representatives to no avail. They are refusing to honor the legal terms of my original loan that they purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with U.S. BANCORP (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: US bank is holding a deposit for extended time. I normally have my paycheck deposited remotely for the pat 2 + years and they hold $XXXX then release the balance 24 hours later. Now with my recent deposit  onXX/XX/2018 for $XXXX they decided to without  warning hold a large portion of my funds for and extra 7 days. This severely affects my family and is not acceptable. How can a bank change or enforce policy as they feel fit? I have spoken to them and no one in their organization is willing to do any thing. I called the brach where the deposit was made and they wont help. My family now suffers because a corporate monster decides to hold my hard earned money, unacceptable!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (OH).
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: On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help 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 09-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NV).
Issue: Trouble during payment process

Complaint: I have an awkward situation I am trying to understand. We opened an equity line of credit with Chase Bank in XXXX of XXXX. Sometime I think around XXXX when the housing market plunged, The line was frozen and I think modified into a term loan, but we continued to receive monthly statements and paid as requested. I had other financial issues and filed a personal Bankruptcy in XXXX. About the same time we stopped receiving our monthly statements. When we checked back with Chase as to why all we were told was that it was paid and we had a XXXX balance. There is nothing in our personal credit file showing the account, and we have nothing in writing showing payment information. A few years later I started receiving phonically at my work from apparent collection Companies telling me for {$20000.00} that they would release the lien that Chase has on our home. WHAT LEIN? About XXXX years ago I begin getting calls from XXXX XXXX @ XXXX XXXX supposedly At Chase on or about XXXX XXXX, XXXX about this same Loan Lien Release for {$28000.00}. I first went to The XXXX XXXX office of Records, they then sent me to XXXX XXXX hall of records where they transferred the records to and got copies of the Chase Liens and their release of Liens. They had a previous Lien # XXXX Filed XXXX XXXX, XXXX for {$99000.00}, Then a new Lien # XXXX filed XXXX XXXX, XXXX for {$200000.00}. A Full Reconveyance # XXXX was filed XXXX XXXX XXXX. 

It appears that when the market went upside down the XXXX XXXX did a Bank Bail Out that somehow paid my underwater mortgage. I can get no details of what actually happened, but all I can ascertain is that there was a loan, there was a payment by someone that paid the note to a XXXX BALANCE and there was a reconveyance, but only on one Loan paperwork not the second, so now the second mortgage lien is being held for Ransom the remaining balance, but they will give us a discount for a cash payment. 

This whole thing smells bad, and if it appears to smell bad, it probably is. These people are very secretive that they wont answer the phone, dont have e-mail addresss, dont give out names, and wont put discussions in writing. 
WHo are these people holding our home for Ransom? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with XXXX as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the DMP and have not been reported as late so I am unable to understand the problem.

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