milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with VW Credit (NC).
Issue: Problems when you are unable to pay

Complaint: I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Mortgage debt) with M&T BANK CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing

Complaint: Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX of 2013 I opened up a XXXX 's credit card, with a limit of {$300.00}. During the duration of the time I was suppose to get my actual credit card in the mail I made a change to the place of where I was living. Furthermore, I never received my XXXX XXXX credit card. I am under the impression someone opened my mail and used my credit card at XXXX 's because the debt shown on my credit report shows around {$600.00} dollars.

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 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 02/24/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/18 I went to make an ATM deposit. I followed procedure to enter pin and steps to deposit. I deposited {$400.00} into machine. My card was returned, but the money remained in the machine. I IMMEDIATELY called the Customer Service/ Corporate office to ALERT of machine issue, find status of deposit ( SINCE I DID NOT RECEIVE A RECEIPT ), time for which deposit would be posted to account. The c/s representative ASSURED me it would be resolved and deposited once account was noted of issue/visit the bank to review the deposit camera. 

So I decided to wait of it would or at my available time, XX/XX/18, I visited that location. The loan officer advised me the issue would be resolve in 7-10 business days, yet the money is in the hands of TD BANK at this point and NOT credited to my account. This is unaccepted as I am now facing late fees associated w/ the delay of the deposit of funds!!! I need the late fee that I will have due to the delay of standard to have CASH balances deposited. The balance was to be posted the following business day, yet I " should be clear to spend cash in 7-10 business days '', which is XX/XX/18 -- -- I need an apology and a speedy availability of {$400.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery is continuing to collect on a debt that was a result of identity theft but recently when I sent a formal dispute by mail they verified it as accurate. I contacted customer care and spoke with  XXXX . She admitted that she could n't help me with this account because it was sold to a law firm called  XXXX   XXXX   XXXX   XXXX . If that 's the case how can they continue to verify it as accurate with the credit bureaus and continue to currently report the debt under their company name on all  XXXX  bureaus.this is a violation of the FDCPA. They must remove their name from my credit report because they and the law firm ca n't collect on the same debt at the same time for an old  XXXX  debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am on XXXX looking at my credit report from you and there are multiple mistakes but it 's not allowing need to dispute anything through XXXX so then I went to your website and I still ca n't dispute it because I do n't have a credit report number so this is why I 'm contacting you on here. 

First there are XXXX accounts with XXXX both accounts have clearly been compromised there are multiple transactions that are fraudulent the account should be closed immediately and a fraud investigation begun I should not be over my credit limit I should not be past due XXXX XXXX accounts closed in to stop reporting the negative information that does not belong to me XXXX of them has a balance of {$5800.00} the other XXXX has a balance of {$1900.00} XXXX account says that it 's closed has an amount due a {$5200.00} absolutely no knowledge of this account this account never belong to me I do n't know where it came from like it was open back in XX/XX/2014 but again I have no knowledge of this account XXXX closed account balance {$1500.00} again I have no knowledge of this account this was clearly open front and XXXX and I am unaware of the account

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: account is not mine

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 12/27/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I made my XXXX/XXXX/XXXX mortgage payment to Loancare. I then requested a payoff of my mortgage through XXXX/XXXX/XXXX. I then refinanced my mortgage with XXXX XXXX on XXXX/XXXX/XXXX and the payoff applied to my Loancare mortgage on XXXX/XXXX/XXXX paying everything in full. 

On XXXX/XXXX/XXXX Loancare took an additional {$52.00} PMI from my escrow account overage that was getting ready to be cut to me as it was overage from my payoff. 

I called Loancare and all they can tell me it was taken Bc PMI is paid in arrears but my argument is this additional PMI was included in the payoff through XXXX/XXXX/XXXX. They said no it is never included in the payoff. ( This makes no sense to me, Bc why do I even request a payoff if they have extra hidden fees ) they said they ca n't help me anymore and to send in a written request. 

I have only had problems with them since XXXX  transferred to them. If you can please help us as I feel like we are getting fleeced an extra {$52.00} on top of the payoff we paid to them. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: number, and I had a debt from XXXX recently placed on my credit karma account without being notified by collections company Collection Bureau of Hudson Va.that I owed this debt. I called them and asked them about the debt, and why I was never notified. They said I had been but the address they had was incorrect I than asked if they had a current phone number, and they did. I then asked why I was n't notified by phone and they did n't have an answer. I immediately paid the bill which was the date of XXXX/XXXX/XXXX and the exact amount of {$120.00}. The bill is still in collection on my account and has n't been marked paid, I would like to know how they can mark my account without properly notifying me. If you can contact me my email XXXXXXXXXXXX, thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Debt collection (Auto) with WELLS FARGO & COMPANY (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company was notified I requested debt validation and still no response. Its inaccurate information that is unauthorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have been working with Equifax who over a year ago removed XXXX accounts reporting from XXXX after they exceeded the 7 year from last reported delinquet. XXXX has now again reported reaged debt by simply not showing late payments before XXXX. I have contacted Equifax and so far they keep saying XXXX is stating they are reporting correctly. This is not legal when these accounts are over XXXX XXXX XXXX. The partial account info is XXXX and XXXX. This practice must stop as it just happened to my wife with yet another XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: On the XX/XX/XXXX I submitted a request via telephone to TransUnion credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which transunion 's response to my request is that transunion 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

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 07/27/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have called Grant & Weber I was attacked by some one, send to the hospital, and I file a police report and I was not responsible for this debt. I have try several times to contact and have this accounts removed from my credit. 

Company fail to provide prove Validation of the account. 
Company fail to provide information and they keep reporting to credit agencies. 

I apply for a mortgage and I was denied. 
Not able to obtain credit. 

I have send letters to credit bureaus to request Validation of the account not a dispute, this is not a dispute. The accounts are not mi accounts. 

know credit reports I am getting as a resolution sad that company was able to provide up date information. 
What up date? I do n't get any up dates? 
No answer with in the 30 days in 3 times 3 times I have requested Validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was charged a late fee of {$8.00} but I never received the bill, I always pay my bill on time

Company response to consumer: Closed with monetary relief