milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Consumer Loan (Vehicle loan) with Dealer Funding, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Dealer Funding repossed my car today, XXXX/XXXX/15 without sending me a notice to cure my debt. I was unaware that they were coming to take my car or that they thought I was behind as they say I am. I have been making payments, the last one made was in XX/XX/XXXX but they claim that I have not paid a payment for four months which is not true and I have proof. When I made my last payment, it reflected my balance and with the payment I made, it brought the balance down under {$1000.00}. I lost my job and without a car I can not obtain a new one. When I called I was told my car was out for repo since XX/XX/XXXX but I had since made a payments that brought my balance down, the last one being in XX/XX/XXXX and i never received a notice to cure. I spoke to XXXX who said they had been looking for me for four months but I never received notice and my partial payments have been accepted ; they have sent me statements but no notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with Idaho Housing and Finance Association (IA).
Issue: Trouble during payment process

Complaint: I received my yearly mortgage payment booklet on the mail on XXXX XXXX from home loan XXXX. The payment book showed that my home mortgage payment went from XXXX a month to XXXX a month. I called home loan serv and they blame the {$250.00} a month increase on my home taxes. The taxes on my home have be nearly the same amount for the last 2 years. The mortgage company told me to contact the city about my taxes. I did, to which they told me the amount approx {$1800.00}. Looking at my payment booklet it 's showing me as having a negative escrow balance right now of being {$540.00}, telling me o have a shortage of {$980.00}. I realize that my mortgage was sold to this company last year from wells fargo, but why now are they raising my payments when all along my taxes on my home have been about the same. The lady whom i spoke with at home loan serv all but brushed me off, I waited on the line for over XXXX minutes and all I was told was to call the city.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with DISCOVER BANK (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Mortgage (Other mortgage) with Servis One, Inc. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Got took for a ride on a charge card with XXXX repair shop, ,bank synchrony over 3times nearly denied XXXX, XXXX  access, '' the actual right '' to use illusory purported credit line they said I had if {$2500.00} on several occassions even gas too.by doing this truth n lending, bank laws Federal Statutes many other il constitution state law statutes have been violated for things such as greed, during periods repair shop whatever they name had my car the bank cancelled my credit out with XXXX repairs, worseser trans n and new issues new strange noises etc, plus cheap parts refusal to repair it 88 percent where at least customer can't tell what's what usually how a repair should be done.u can't tell things were broken my car wonce strong runner promised steep RADIATOR notjing garbage aluminum radiator promised new steel one then bank tryed using the fact XXXX potholes caused it as a defense also garbage the banks threatening the old man but..their the partners n crime .I made a Whistblower report in his name n the bank right away threatened him lol..deep in shouldn't have to pay For racism discrimination I'm lending n availability of funds when getting my car picking it up but I'm.am so it's really XXXX, shut this bank down for much years of scamshish, fraud deceptive practice vs XXXX XXXX XXXX XXXX XXXX XXXX all bank reps foreign engaging n lies '' customer did this n that we didn't do*their cancelling threatening credit cuz they mad we report XXXX XXXX XXXX  synchrony was told today " I didn't have to give car back '' but..I told him XXXX XXXX XXXX   before I arrived cuz if banks XXXX, a lady use to check on me about car alot them I'd get a threatening call but she stopped she waived the rear end job XXXX {$800.00} n I'm disputing the radiator job, loss of strange horsepower, talked into keeping my car many days then, got it back broke down strange sounds I'm not paying XXXX $ for XXXX, radiator n XXXX shocks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX   XXXX , I discovered  XXXX   (   XXXX   )  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have gone to XXXX different schools, XXXX which are under investigation with the state attorney. I have applied several times including your company asking for an investigation, asking for a reduction, in some cases my school loans to be deleted due to now I still do not have certification. Nobody wants to get involved, I am still in debt, I still owe {$50000.00} to Dept of Education. I have signed an Ability to Benefit which I was asked to send in a paper from the state, if I have not worked. I think having a food stamp card is self explanatory enough. I have applied for every help in order to have my school loans reduced and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have NEVER lived I 'm XXXX. I have told XXXX credit bureaus previously. My ex-wife and my daughter lived at these addresses in XXXX. I lived on XXXX from XXXX until XXXX XXXX. I moved from there to XXXX. I never lived in XXXX. I WOULD APPRECIATE XXXX credit bureaus removing the XXXX addresses from my record and put my correct addresses on my record. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX XXXX and TransUnion. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 10/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: My servicer, Wells Fargo has sent me a letter ( attached ) in reference to a mortgage modification which I have not requested. This letter makes a number of false statements, and given Wells Fargo 's apparent proclivity for fraudulently managing consumer accounts, my trust in a benign reason for this letter having been sent, and goodwill towards Wells Fargo 's intent is nil. 

In regard to this letter specifically : Paragraph 1 " I 'm writing to follow up with you about your request for a loan modification. '' This is false : I have never requested a loan modification, and indeed, this is a repeated tactic by Wells Fargo when I become delinquent on my mortgage. I have clearly stated on multiple occasions ( including in a similar CPFB complaint see XXXX ) that I do not intend to, a ) default on my mortgage, nor b ) request or otherwise make inquiries to Wells Fargo for the purpose of any loan modification. 

Continuing from the letter : " ... I 'd like to thank you for responding to our request for documentation. '' This is false : I have submitted nothing in regard to a loan modification by any means of transmittal, nor do I, as a matter of course, respond to the continual unsolicited offers and/or notices of loan modifications from Wells Fargo. Let me highlight again that these loan modification " offers '' are always unsolicited on my part. 

The second paragraph refers three times to foreclosure at present no notice of intent to foreclose has been received, nor to the best of my knowledge has the foreclosure process commenced. This paragraph implies that this process has begun, nonetheless. 

As mentioned, this is not the first unsolicited loan modification which Wells Fargo has sent, and invariably the language of their letters implies or states outright that the process is one that I have initiated. I perceive this behavior on the part of Wells Fargo to be harassing in nature. 

Finally, I note that the letter is dated XXXX XXXX, while the postmark ( or franking ) is dated XXXX XXXX, and the letter was received on XXXX XXXX. This apparent retarding ( or pro-dating ) of correspondence has occurred numerous times with Wells Fargo with ostensibly critical communications. I would describe it as a recurrent and perhaps deliberate feature of their behavior.

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 04-09-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (NY).
Issue: Transaction issue

Complaint: The Navy Federal Credit Union removed funds from my children 's savings accounts to pay a late credit card bill. This happened once before, several years ago. At that time I contacted NFCU and they told me that the accounts were joint accounts and to prevent this from happening again I needed to convert them to custodial accounts. They sent me the paperwork, I filled it out, sent it in and thought the problem was resolved. However, they did it again. We were late with our XXXX bill and they took the payment from my children 's accounts. I thought this was illegal. I feel taking my children 's money without their permission to settle my debt is a form of theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.

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 04-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a XXXX XXXX XXXX credit card acct # XXXX ( XXXX XXXX, I have disputed this information with both Experian and XXXX XXXX XXXX. Explain allowed XXXX XXXX XXXX to verify, as accurate without providing proper information. Additionally, XXXX XXXX XXXX verified within the XXXX days verification process ( without completing complaint I mailed XXXX ) XXXX XXXX XXXX later mailed me a letter stating " you have not provided enough information to identify the account ... '' XXXX! this is a deliberate attempt by XXXX XXXX XXXX to basically " play stupid '' All information was provided have copies of certified mailing and letter ( notarized ) to prove XXXX XXXX XXXX 's deceit. 
Additionally, Experian makes it IMPOSSIBLE to add a consumer statement. I paid for the Experian Tracker membership, but there is not a reasonable way to add my consumer statement. I have called XXXX times XXXX day of week at the number Experian provides during business hours and although I held on line for over XXXX minutes each time ( have proof of these calls and length ) I was unable to reach any representative. I tried in morning and later in days. Experian is again manipulating the law and spinning consumers. I have filed a civil suit against both Experian and XXXX XXXX XXXX, I am keeping meticulous records and I intend to subpoena through the discovery process of all internal training videos and policy 's to expose both these unscrupulous corporations. As both are in violations of numerous statutes and i certainly hope through the CFPB someone actually addresses this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.

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