milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The following company has repeatedly called me AFTER I sent them a letter SPECIFICALLY telling them to not contact me by telephone : BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX The Phone number they use is : XXXX I have since blocked that number but expect them to try and use another. 

The text of the letter sent to them is as follows : " SENT PREPAID USPS FIRST CLASS MAIL BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX RE : Reference No. : XXXX YOUR CLIENT : XXXX XXXX XXXX Hospital Dear Sir or Madam : This is not a valid debt and I vigorously dispute it. 

Enclosed you will find a Debt Collectors Disclosure Statement. I trust you will find it self-explanatory. 

You are also instructed to NOT contact me by telephone at home, work or facsimile. You may communicate with me by regular USPS mail. 

Any derogatory reports made to any credit reporting agencies will be met with the full remedies provided by law and a Complaint lodged with the Federal Trade Commission. 

Please govern yourselves accordingly. 


Sincerely, XXXX '' Enc. : XXXX pages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (NV).
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 received a response from Ford Credit and I am not satisfied with the response from Ford Credit. Ford Credit denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. Ford Credits website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and Ford Credit was unable to reach me to notify my of the late payment. Ford Credit is purposely trying to keep this damaging information on my credit report when I was only 31 days past due.

Ford Credit is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to Ford Credit in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn Ford Credit has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Southwest Credit Systems, L.P. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.

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 04-10-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2017 i paid the original creditor XXXX {$160.00}. On XX/XX/2017 American Medical Collection reported to all XXXX bureau as {$0.00} balance but showed that my high balance was {$160.00} which drop my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 07/23/2017 about Debt collection (Other debt) with Titan Receivables, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I financed a XXXX XXXX XXXX back in XX/XX/XXXX of XX/XX/XXXX, the car was running fine and I was making payments up until about XX/XX/XXXX of that same year and I was involved in a car accident which resulted in the car being a total loss per the insurance company after they took the car in for inspection. I was told the debt would be settled by my insurance company and the loan company XXXX XXXX XXXX is still asking me for a settlement or a balance to pay to remove all negative inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (AR).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: There were two unauthorized transaction at two different XXXX that I did not make or authorize in the amount of XXXX total transaction my tax return money was direct deposit onto NetSpend XXXX XXXX prepaid debit card. And the money was withdrawn off the card. I filed a dispute on XXXX XXXX, 2017 with NetSpend to credit me my money back to my account.They have yet to honor my dispute. The reason being 60 days late reporting the unauthorize transaction.

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 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am XXXX. I recently obtained a program for my phone which makes it possible for me to see my XXXX bank statements. When I checked them I saw that my balance was lower than it should have been and I went to XXXX XXXX to ask them to investigate. I found out that Experian has been deducting fees from my account since XXXX 2011 every month, but I never signed up for any service with Experian. The bank found the charges were unauthorized and refunded three months of the charges, but said they could not go back further. I contacted Experian and they claim that I signed up for a free trial and never cancelled, but I never signed up for any trial. They are refusing to refund me the charges. I did not discover the fraud earlier because I was unable to review my bank statements because I am XXXX. Since I did not receive any statements or services from Experian, I had no idea someone opened an account in my name.

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 04/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Dear Sir/Madam : I 've just read an article about problems with the lender Navient. I 've been paying a student loan for many years now and I 'm based in XXXX and working for the XXXX XXXX. I usually call Navient from abroad to make payments and at least twice a year for the past two years my loan payments have been misposted ( Instead of making a payment against the federal loan and a payment against the private loan, the payment is being posted to only the federal loan ). Since I 'm in XXXX I do n't get phone calls about late payments, until my aunt contacts me here saying that Navient has been calling her about late bills. And they have called her at least 10 times in one day!! Is n't that harassment? At any rate, I 'm usually on time with my payments, it 's just frustrating and time consuming to call and request that adjustments be made to my account to apply payments as per my original request. I really thought my case was isolated, but now based on the article I read, I understand that it is a bigger problem. Please let me know any further information on how this issue is being resolved with Navient. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (TN).
Issue: Taking out the loan or lease

Complaint: My credit report still showing an auto loan which was pay XXXX/XXXX/2010 to SunTrust bank. How long take to clear that account from my credit report. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (GA).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.

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 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery XXXX is continuing to collect on a debt that was cancelled and where I received a XXXX from the bank. They also called on Sunday XXXX XXXX 2016 at XXXX. 

I have no other consumer/installment debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage with Wells Fargo mortgage was close to foreclosure. In order to get current I mailed a cashier 's check for the total past due amount plus fees. The check was credited to my account then reversed. When I contacted Wells Fargo I was told there was a problem with the check. In order for the bank that issued the cashier 's check ( XXXX XXXX ) to refund my money I need either the check or a statement from Wells Fargo on the problems with the check. I have submitted requested documents to XXXX different departments at Wells Fargo ( Research dept. & Cash dept. ) with no response. I have made several phone calls and never get a satisfactory response.

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 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
"

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.

Company response to consumer: Closed with explanation