milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I leased a XXXX XXXX XXXX/XXXX/XXXX. GM Financial.. IN the beginning of XXXX I had to call to get my account number to login online because I never received a statement. I went in to the online account around XXXX saw XXXX Balance due, and waited, till XXXX XXXX to recheck and saw I owed a payment and late fee, because I missed the due date- which was not written on the Online statement when the due date was. I paid the past due, XXXX and late fee, and set up automatic payment. The end of XXXX received an email that I missed a payment, and was charged a fee. The automatic debit started XXXX XXXX, so I missed XXXX payment. They purposefully skin a cycle to XXXX the consumer and charge late fee, when In XXXX I set up a payment, that should have covered XXXX and beyond. <P/>2 -they sent a late payment ding to my credit monitoring company, because I missed XXXX. They say they called me, But they do not identify themselves on the voicemail as to who is calling, so I did n't call back, would you call back an unidentified number XXXX. They refuse to remove the ding even though they admit the online site was not accurate in XXXX because the bill had n't come due yet, but why would they not post my future due date due in the same month.? I want my late fees returned and credit monitoring cleaned up

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with PMAB,LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone used my information that resulted in this account being opened from fraud ... this company is reporting it when i have never had any services or authorized any accounts for this

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Brief history of problems with Mortgage CompanyIn XXXX my ex husband and I sought to refinance the original mortgage combining a second mortgage and securing enough to make significant repairs to the property. The house was not livable and my XXXX year old parents needed to be safe. My ex-husband and I applied to XXXX XXXX who had taken over the mortgage we had for the previous seventeen years. 
The lender turned down the loan but within a few days they contacted my ex-husband and asked him to submit a second set of tax returns. They explained to him what he needed to do and he complied. The loan closed in XXXX of XXXX. In XXXX of XXXX my ex-husband moved out and refused to make the payments. I managed to keep the payments up and had no idea that there were any problems with the loan. The bank had been adding a late charge on the payments made in cash and directly transferred to the loan electronically. This is the system the branch manager set up for us. It was over a year before we learned about the added charges. None of the payments were late according to the stipulations in the note. 
In XXXX the state of Florida granted XXXX service connected veterans a tax exemption for which my father qualified. This became the largest problem. We provided the bank with all of the proper documents in the first week of XXXX. In XXXX they were still escrowed for the taxes. In XXXX I received a check for {$700.00} approx. as a refund for the escrowed taxes. The taxes were XXXX a year so seven months would have been more than that amount. We never did receive an accounting for the funds. 
Late in XXXX my ex-husband filed for bankruptcy in Federal court. This caused the demise of communication with the lender. They would not provide me with the information necessary to make the payments. Without knowing what the actual amount was I continued to pay the last known amount. During a telephone conversation with the loan processing center I learned that due to the fact the payments were not to the penny they were not posted to the loan but placed in suspense. 
The last payment I tried to make they refused to take. 
I sought an attorney to try and resolve this mess. This past week the judge signed an order of foreclosure against me. The day before the court date I received a loan payment statement from Caliber Home Loans. I eagerly called the number on the form to try and resolve this issue. They could not find any record of the loan by number, the property by address or my name. If I had sent them a check where would it have ended up? 
In the foreclosure action they failed to notify my son who is co-owner of the property. Therefore he had no defense. And during the proceedings they amended the original mortgage to include a parcel of land never included in the original mortgage or any subsequent mortgages. It has a separate deed and tax number. Would n't this be considered theft?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been paying my student loan from Wells Fargo since 2011-ish, and  historically have struggled to make the {$450.00} payment every month. I currently work in XXXX XXXX and my take home pay is about {$2400.00} a month. They are taking a fifth of my income every month and if I have unexpected expenditures in a month, I may get behind at which point I get letters in the mail and my cosigner and I get calls every single day sometimes up to five calls a day, recently it has only been one call per day for the most part. I have looked at refinancing the loan with them which saved me a negligible amount of money, and tried to get the loan restructured and based on my income and they refused to lower the payment. I have called and spoke to a few different people in different departments and basically no one there is  willing to help me get this loan on track. I clearly can not make this payment every month, and I have demonstrated this over the course of years. I am currently three payments behind as I just switch jobs and am trying to figure out how to get my account current. If they would restructure the loan, all my problems would be fixed. This loan is basically ruining my life, is extremely hard to keep up on, and has been a massive headache. I want to pay it, but I do n't want to pay an amount that makes life difficult! I do n't understand why Wells Fargo will not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was originally harrassed by a medical debt collector by the name of XXXX XXXX for the amount of {$240.00}. It was put on my credit report in XX/XX/XXXX. They constantly threatened to sue me, and called several times a day, said they would garnish mine or my husband 's wages, etc. 
After researching their state license here in Tennessee, I found out they are not licensed and have not been since XX/XX/XXXX. They sold the debt off, or began operating under the company called Wakefield and Associates, which is licensed in Tennessee out of Colorado, and the debt was re-added to my  credit report under the Wakefield name.

I believe that the two companies named have broken several laws including HIPAA, and I have no contract to pay the listed amount to the current debt collector, Wakefield.

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 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying toward my private loan since 2009. I was falsely denied a lower payment open, even when I was unemployed. The representatives over the years have increased my payments, despite ability to pay, and refused to offer any help other than telling me to deal with the collections department. Once collections began, I was given no payment options other than forbearance, and despite my pleas for help in at least a low monthly payment, they would not accept any option other than to keep being in default or going into forbearance ( again ). I was never informed at the time of signing up for loans that my balance would continue to increase despite monthly payments and good faith attempts to pay, when full payments were not possible. My cosigner and I have been threatened with ruining our credit unless the full payments were made immediately. My balance has increased since changing to Navient by over XXXX, with no explanation or notification from Navient as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.

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 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with The Phoenix Recovery Group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (WY).
Issue: Closing/Cancelling account

Complaint: My name is XXXX and I am a victim of identity theft. There is a fraudulent Santander account reporting on my credit report. I have called Santander to report the account as fraud. Each time I call, I am told that an investigator will call me back. No one has returned my call. The card is reporting open on my credit report. They have not even closed the card down yet because every representative that I have spoken to has been unable to locate the account. This company has been near to impossible to deal with.

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
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Last year I made a lump sum payment with an XXXX educational award. There was {$75.00} left after all the unpaid interest was paid. I instructed Navient to put the remaining money towards loan # XXXX. Instead they applied it to loan # XXXX. Loan # XXXX is a lower interest rate loan than loan # XXXX. When I called to correct this mistake, I was told that the entire amount would be " taken back off '' and that interest would continue to accrue while their mistake was being corrected. I declined, and left it as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.

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