milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: XXXX / XXXX /  XXXX   I spoke with  XXXX , case  XXXX  of  XXXX   XXXX   XXXX   XXXX  and she had informed me that there were options in which I could save my vehicle. I had a hardship of hurting my knee back in  XXXX  and has since escalated to having  XXXX  in my knee. I 've had to pay medical office visits, prescriptions and an  XXXX . I had spoken with the young lady of my hardship and roof being damaged due to severe weather. She was very understanding but told me to try to get a payment but if I could n't she had other options to help me.     XXXX   I called  XXXX  of  XXXX   XXXX  Auto Finance and told her I was unable to get the payment as money is extremely tight and I do n't get paid until the first of the month. I am expecting a settlement for my roof damage but that has not come to fruition yet as I was hoping to catch up my payments. She then informed me that there was nothing she could do and that it would go to repossession department and they would escalate the debt. I asked about a modification and she said that was n't an option but told me to call the repossession department and they  XXXX  have some options.    XXXX / XXXX /  XXXX   I spoke with  XXXX  of  XXXX   XXXX  Auto Finance  XXXX  Department and she was not understanding at all. She was very rude and I explained my hardship and told her I was a customer with them for a long time and she said well we have a lot of customers with us for a long time but your car will be repossessed if you do n't come up with  XXXX  payment and then we have some options. I explained that I do n't get paid until   XXXX    She informed me that they would come take the car on Friday but I asked her how much time would she give me to try to come up with the money and she gave me until  X/XX/17    before  XXXX  pm otherwise they will pick up the car on  X/XX/17.  I was devastated as I ca n't work a second job as I normally would to make extra income but with the my knee in the situation it is in, I am limited and unable to work part-time. I work full-time and it 's sedentary but I just needed some time to get the payment or help with a modification. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   XXXX   SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI  E  ITEM FROM MY REPORT, THAT NEVER  SHOUL DHAVE  BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE  WIOTH  THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never applied for an auto loan in XX/XX/XXXX .... 
I have never even heard of XXXX Please look into this and remove. 

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I allowed XXXX XXXX pull my credit XXXX on XX/XX/XXXX. We could not agree upon a payment so I left. It clearly states on all of my credit reports to verify all identifying information before extending credit due to identity theft issues in the past. I ordered my credit reports because my score was dropping weekly. I then found out that there were XXXX different lending institutions that inquired on my credit ( depending on credit report ). I called Transunion just now XX/XX/XXXX at XXXX to try and dispute the inquiries. The representative said the only way to get a deletion was to get the lending institutions to give me a letter stating they made a mistake in pulling my credit report. I explained to the representative that the companies would n't do that because then they would be admitting to ignoring permissible purpose, he said that was all that Transunion could do and that was the only procedure. I have contacted as many of the lending institutions as I could with a return receipt letter asking them to take off their inquiries or proof that I authorized the pulls for credit. I still have to deal with XXXX and XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When my credit was pulled on     XXXX   XXXX  2017    to purchase a new home for my family, there were  2  late payment stated on my   XXXX   credit report for  Wells Fargo Financial. T hey showed that the payments were late in both  XXXX  and  XXXX   2017 . The only late payment was in  XXXX   2017 , because I was not able to pay full amount due because I had paid my last fine payment, I can understand that. But it also showed the payment for  XXXX   2017  was also late. In  XXXX   2017 , I made  two payments, 1st one  was  on  XX/XX/XXXX  and 2nd was on  XX/XX/XXXX . the total of the two  were for the amount due of {$410.00}. I also have proof from   XX/XX/XXXX   statement that they received those payments, yet falsely reported late payment for  XX/XX/XXXX .   Being a   XXXX   XXXX   XXXX   XXXX  Veteran that my only income is my   XXXX   XXXX   and  XXXX .   This also effects my military security clearance, which I will have for the rest of my life.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Was place in Chex system and is unable to get any updates.. Was unaware of this action

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (CO).
Issue: Application, originator, mortgage broker

Complaint: I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: APR or interest rate

Complaint: Wells Fargo had my APR rate set at 12 %. I made XXXX late payment in XX/XX/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. 

Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.

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 06/16/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a private student loan serviced by Discover, which is now paid off. Based on my understanding of the XXXX XXXX consent order between the CFPB and Discover Student Loans, I am a " Tax Information Consumer. '' I did not participate in any of Discover 's tax preparation programs. Accordingly, I believe I am entitled to a payment of {$150.00} ( {$75.00} for tax years XX/XX/XXXX and XX/XX/XXXX ) under the terms of the consent order. I contacted Discover Student Loans to see if there were any procedures needed to claim this amount, or if it would be sent to me. Their representative stated that I would have needed to apply for this payment by XXXX XXXX, XXXX. I am not sure if this is Discover 's actual position, or if the representative was just confused : to my understanding XXXX XXXX, XXXX was the deadline to request tax preparation assistance, not to request a payment in lieu of tax prep assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I currently have XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: - I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's o

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed a written request, more than a year ago with Ditech Financial Mortgage to not contact me, only by mail. No phone, text, fax, etc. For the last week I keep getting daily phone calls from XXXX XXXX from Ditech, and to call back this number XXXX ext XXXX. I refuse to call back, I do n't like this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I previously disputed a lien on my Equifax credit report that has been paid and is still showing on my report. I have attached the proof of payment of this lien. Please remove this lien from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone stole my personal information and has been opening credit cards in my name. I 've submitted police reports to Experian and they refuse to remove the false, fraudulent accounts and inquiries. Someone opened a  XXXX    XXXX   credit card,  XXXX   XXXX   XXXX  Credit Card, and  XXXX . Additionally, there are numerous unauthorized credit inquiries I 've only allowed  XXXX  credit inquiry in the last three years. That is   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