milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (HI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I called to pay off my loan for my vehicle. They told me I would have to mail in a check or walk into their bank in order to do this. They where not allowed to pay off the loan by phone or online due to bank policy. When I asked why was it bank policy both the customer service rep and their supervisor said that it was just bank policy and that 's just the way it is. My problem is that they charge interest on your loan everyday. If they did this with everyone then they would potentially make millions off of this one way payment. This seems illegal to me. 
I was put into contact with their manager and they did allow me to pay off my loan by phone after I left them a voice message saying that their bank was sued prior for changing dates of payments in order to make the individual overdraft. I do not know of it was the message I left or the manager just decided to do their job either way I feel that this needs attention. 
The bank is rbs citizens Address is citizens bank XXXX XXXX XXXX XXXX, ri XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My issue is with a federally chartered bank, in fact, the first federally chartered bank in the U.S., Wells Fargo. I started a short sale with Wells on XX/XX/2015 -- XXXX days ago. The file has been passed through XXXX ( XXXX ) negotiators -- XXXX XXXX, XXXX XXXX, and now, XXXX XXXX. There have been numerous requests for information ( including request to change items Wells has previously asked us to do ) -- all information requests from Wells have been satisfied within XXXX hours. ( Incidentally, these information requests have been made, notwithstanding the fact that the XXXX negotiator, XXXX XXXX, indicated he had everything he needed to proceed ). What 's disturbing is that each time Wells moves the file to a new negotiator, there is no reason given, and the new negotiator can ask for a single document, or update of a document, and the clock starts ticking anew. It 's a chronological merry-go-round that seemingly never ends because Wells can start the process all over for any reason : " Could you resubmit Addendum One because the buyer 's signature is n't legible enough -- is it XXXX or XXXX? '' Assuming such a request is legitimate, does it warrant starting all over? It 's clearly used as time management mechanism. There has been no communication from Wells since XX/XX/2015 when the negotiator said she 'd be back in touch " shortly. '' We have emailed and called the negotiator 's manager ( XX/XX/2015 ) with NO RESPONSE. The matter has been escalated with the Wells Fargo Executive offices XXXX ( XX/XX/2015 & XX/XX/2015 ) with promises of a response within XXXX hours -- again, NO RESPONSE. I 'm at wits end. If there 's no response to their own management 's request for information, as a consumer, I 'm totally helpless. The mortgage is significantly past due and the next step is foreclosure. This has become an enormous hardship. Having this matter unresolved prohibits me from taking other actions that would benefit my overall health and well being. Like all federal agencies, I know that CFPB has limited resources and I really tried to resolve this with Wells internally. But at the point the EXECUTIVE offices at Wells states that someone will call within XXXX hours, and XXXX days later there 's still no response, I simply do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Settlement process and costs

Complaint: Nationstar Mortgage has not filed a release on a mortgage. I have tried to call several times to be told it is done ( county has confirmed it has not been done ), I have been hung up on and refused to be transferred to a manager. The loan was paid off in XXXX and is now out of compliance with the release guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Mortgage) with GATEWAY MORTGAGE GROUP, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On both my XXXX  and Experian reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XX/XX/XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to XXXX and Experian. Please help. Thanks in advance.

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 08-05-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid my kohls credit card off but not showing paid. I have also paid my XXXX credit card off

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received additional documentation yesterday to support my previous dispute. I went onto experian website to upload the letters I received from the bank for my XXXX and XXXX credit card. The letter is date XXXX/XXXX/16 and is stating that the accounts were not paid late and the dergatory remarks to be removed and these XXXX accounts be listed in accounts in good standing on my credit report. I tried numerous times to upload the letters in support of my dispute and experian will not allow me to do so. I do know XXXX bank is going to contact experian and also submit the letter advising them to correct the incorrect information however I have been disputing this for months now and finally I substantial proof stating very clear that the accounts are not reporting correctly. Now experian tells me to send in the information. Here goes more of my time in making copies etc. I have spent numerous hours on the phone and time with this situation. I am complaining because this incorrect information is causing me a hardship in obtaining credit for a auto loan. Experian is very difficult. I do not understand why they will not let me re-dispute information again either. I was told they already disputed it and I am not able to re-dispute it again. Well this is unheard of as there are things reporting on there incorrectly and as I mentioned before it is causing me a hardship in obtaining credit.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion, XXXX and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take 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 01/22/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Refusing to verify debt, and refusing to verify identity of debt collection company. Sent insulting communication back to my attempts to correct their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2015 I requested debt validation from Enhanced Recovery and still have not received any evidence that this debt is either legitimate or belonging to me. I also disputed this with the credit bureaus and they conducted an investigation and stated Enhanced Recovery verified the debt, which is absurd that they verify a debt to a credit reporting agency and not to me, the consumer.

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 06/24/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/XXXX - 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 01-12-2018 about Debt collection (Other debt) with Wilber and Associates, P.C. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: THIS IS NOW MY SECOND COMPLAINT ABOUT THIS COMPANY AND THEIR ILLEGAL THREATS AND TACTICS, THIS COMPANY HAS CONTACTED ME AND THREATENED ME NUMEROUS TIMES OVER THE PHONE STATING THEY WERE GOING TO HAVE MY LICENSE SUSPENDED IF I DO NOT PAY THEM, ON NUMEROUS PHONE CALLS YOU WILL HEAR EMPLOYEES YELLING AND SCREAMING AT ME AND EMPLOYEES TELLING ME THAT THEY WOULD NOT BE TREATING ME WITH RESPECT BECAUSE I AM NOT THEIR CLIENT, I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS BUSINESS AND THE TACTICS CONTINUE I CONTACTED THE COMPANY STATING I AM REQUESTING THAT THEY SEND ME PROOF OF THE DEBT AND THE EMPLOYEE REFUSED TO PROVIDE ME VALID PROOF OF THE DEBT. THE EMPLOYEE STATED THEY ALREADY SENT IT AND I RECEIVED IT AND I HAVE NOT IN FACT RECEIVED ANY WRITTEN CORRESPONDENCE FROM THIS COMPANY, THIS IS NOW A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES AND IM DEMANDING THIS ACCOUNT BE CLOSED DUE TO NUMEROUS ILLEGAL VIOLATIONS IF THEY DO NOT CLOSE THE ACCOUNT OUT WITH A {$0.00} BALANCE I WILL PROCEED WITH LEGAL 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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX for many years. Payment was automatically withdrawn from my account every month. Nationstar Mortgage purchased my loan from previous lender and stopped withdrawing funds from my account in XX/XX/2016. 2 months later I got a certified letter in the mail stating that my loan is in default. I immediately called and paid outstanding balance and set up automatic withdrawal again through my checking account. 
Nationstar reported me and my wife to credit agencies as being late even though they promised not report since payments were not discontinued by us and balance was paid in full as soon as we received a letter. 
Since then we requested to have negative reporting removed numerous times but no action was taken by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: {$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Supposed debt is from a XXXX on XXXX/XXXX/14 ; discovered open collections while checking my credit score. Disputed & was informed by both XXXX and XXXX that the report of collection was erased. Now, 3 weeks later, I got a bill from Transworld for {$1500.00} and change. This is literally the FIRST communication I 've received from them EVER regarding this debt. Was still paying off XXXX bills a year ago & called XXXX to settle up with my tax refund. Was told my balance was XXXX and that I owed nothing. Asked for & received confirmation that this was correct. Not once in the last year have I gotten any phone calls or mail from Transworld, and now, AFTER the issue was supposedly resolved, they are telling me I owe over {$1500.00}.

Company response to consumer: Closed with explanation