milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2015 about Consumer Loan (Installment loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a parent that agreed to consign my child 's student loan. My daughter has not worked in over a year. I make a monthly payment however, it 's not the payment amount that the company want me to pay. I have my debt responsibilities to maintain. As a result of me only paying between $ XXXX {$60.00} dollars monthly, my credit score took a hard hit. I received between 5-8 calls daily from Navient. I hit the ceiling when they told me that I had {$10000.00} available on a credit card and why ca n't I make a payment with this card. They did n't say the name of the card but I knew what card they were referring to. The customer representative has said this to me the months of XXXX, XXXX ( XXXX ) and XXXX XXXX. These people continually threaten me with court action and that they will have my salary garnished and any tax returns garnished. I have always had a high credit score however, as a result of me only making the small monthly payment, my credit score has plummeted. They say that they want to work with me, I keep telling them that I ca n't make a higher payment. I have my bills to pay as well as my living and commuting expenses. I refuse to give them my salary information. This seems to anger them. They even ask me if I have someone else helping me with my expenses ( I do n't ) I live paycheck to paycheck frugally. These people also dislike it when I tell them to review the recording on past months. I tell them the same thing over and over again. As I previously stated, I make a small payment monthly, I ca n't go any higher, I need to maintain my bills and living expenses. I can not afford an attorney. Navient is wrong, I feel, looking at my credit report and saying that they see that I maintain my bills but refuse to pay them. When I say that I ca n't make a higher payment then they say " so you 're refusing to make a payment ". I have told them that they are twisting and playing on words by saying this. This happens every month. My daughter hopes to start a new job in a few weeks. She is very timid. She cries when these people talk to her so now she wo n't talk at all to them. Once she starts working, she will make her payments. The payments will not be the payments that Navient want ( she too will have living expenses ) but payments will be made. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (PA).
Issue: Struggling to pay your loan

Complaint: I have had a significant reduction in income since retirement inXX/XX/XXXX. I incurred debt while living in Maryland, before retiring, I arranged to repay {$230.00} until paid off. However, I have been informed that Social Security has canceled XX/XX/XXXX's payment and will revisit benefits for XX/XX/XXXX to determine if they should cancel XX/XX/XXXX's Social Security check because of cap on employment for XX/XX/XXXX.
Because of this huge reduction in income for XX/XX/XXXX and possibly XX/XX/XXXX, onXX/XX/XXXX, I contacted CashNetUSA via email ( collections department ) for assistance in either suspending payment of {$230.00} or reducing/recalculating payments thru the end of the year that occurs on the XXXX of each month. Original balance was {$1600.00}. Balance is {$360.00}.
CashNet is refusing to work with me, stating they can not recalculate/suspend/or rework payback period. I then told them that if they attempted to take XX/XX/XXXX 's payment, it would cause an NSF in my account, increasing my debt and causing further hardship.
Their final reply was : ( taken directly from email they sent me ) " We understand your situation and have noted your account.
We are unable to change, cancel, or alter any mutual payment arrangements or scheduled payment that has been established for your balance. If you are expecting the scheduled payment to return for insufficient funds, please contact us back as soon as possible to set up arrangements for the returning payment. '' I have saved all documented email conversations to CashNetUSA 's Collections Department.
I do n't think CashNet is handing my hardship situation in an equitable or fair manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (MI).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: 1. On XX/XX/XXXX called and held on for at least 25 =minutes. Then tried their on line system then showed 2 wrong telephone numbers., therefore, could not access account information.
2. on XX/XX/XXXX I called and held on for 25 minutes then gave up.
They changed there on line system with the correct last 4 digits of my phone number.
Answered yes and received a 5 digit code. The code did not work.
3. I am concerned that XXXX breach might have allowed someone to steal my large CD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited.

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 monetary relief
Consumer complaint received 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several mistakes listed on my credit file and in my results nothing was done. The report states on the following  XXXX  's investigation  XXXX   XXXX  #  XXXX  which is outdated and past the statute it was updated from our processing on  XXXX    XXXX  ???  XXXX  #  XXXX  same outdated and should n't be listed and  XXXX    XXXX  , were in  XXXX  and it was to be investigated in  XXXX    XXXX   XXXX   #  XXXX  same,  XXXX   XXXX   XXXX  #  XXXX  outdated and false last updated  XXXX    XXXX  .  XXXX   XXXX   XXXX   XXXX  Unknown and going after this company directly as this is not my debt or account   XXXX   XXXX   XXXX   XXXX    XXXX  Outdated and past the statute and no validation,   XXXX   XXXX   XXXX   XXXX    XXXX  OUTDATED AND INACCURATE no investigation  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX  always paid on time never once was past 30 days last updated was  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 non-monetary relief
Consumer complaint received 06/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to Nationstar on XX/XX/2015.  XXXX informed me of this via a letter sent on XX/XX/XXXX.  As my next mortgage payment due date approached (XX/XX/XXXX) I received no correspondence from the new mortgage company....not a welcoming letter, statement, or a bill with which to pay the mortgage.  I desperation, I tried to call them, but all you can contact are automated menus, not a person to help with a personal problem.  I went to their web site, and again in desperation followed the instructions for making an online payment.  It worked!  But what it didn't make clear is that I had set up an automated account that would automatically pay my next mortgage payment.  So when the next payment was due (XX/XX/XXXX) I made another payment, not realizing that in actuality I was making XXXX payments.  It cleaned out my checking account and checks for XXXX other bills that I wrote bounced giving me fees of $XXXX.  I have had an extremely difficult time contacting them to resolve this issue.  I was only able to speak to a live representative by calling the number they advertise for refinancing mortgages, not their customer service number.  Anyway, I believe the unprofessional way in which they handled the transfer of my mortgage has led to this financial mess for me

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: For the past two years since XXXX 2015 I have been written to the three credit union 's Equifax, XXXX and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I was going to buy a car at   XXXX   XXXX   XXXX   XXXX   XXXX   Wisconsin. The finance  manager told  me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit  XXXX  times. I did not approve of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Equitable Acceptance Corporation (IL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX used Equitable Acceptance to finance a loan which would cover their administrative services to be the surrogate company to make payments to the XXXX XXXX XXXX XXXX on my behalf. I thought they were associated with the XXXX XXXX XXXX XXXX because of the introduction that I do have attached. The letter was deceiving. Consequently, I received multiple letters from XXXX XXXX that I was not making payments. I told XXXX XXXX that XXXX XXXX said that I was paying them to pay the XXXX XXXX XXXX XXXX, and XXXX XXXX said that is not happening. XXXX XXXX on my permission looked into my account : I had security questions that I did not know the answers to and I had false information about who lived in my household ( It was suppose to be one, but it was more than one ),  and so it looked as if information was falsified to bring my payment down. XXXX XXXX said that I do not need third party companies to do any administrative work because I can do so on my own. So I had the impression from XXXX XXXX that they would make payments and do the administrative work on my behalf. However, I have been paying off and on both XXXX XXXX and XXXX XXXX payments. XXXX XXXX has been an unnecessary middle man, and I have already paid them over {$800.00} over the past two years when that could have gone towards my student loan debt. I have contacted the office of the Attorney General Consumer Fraud Bureau and XXXX XXXX have not replied to them from my knowledge. I do have the most current Attorney 's letter attached, and the Attorney has told me to seek legal counsel, which I have not done yet. The problem is that the finance company, Equitable Acceptance, has placed a credit line on my credit report, so if I do not pay it will reflect badly on my credit report. I want this to 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 03/14/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (AR).
Issue: Managing the loan or lease

Complaint: This loan violates Arkansas usury law because the interest rate is above the cap.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Checked my credit report with experian and there is a previously deleted account reporting back on my credit report. XXXX XXXX was deleted over 3 months ago. As of XX/XX/2017 the account is showing as a negative item.

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