milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have  sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC has failed to provide an IRS Form XXXX to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had a XXXX credit card limit on my Bank of America card. A XXXX balance I owe. I have been with them since 2008 and never been 30 days late, also re-paid all XXXX balances on time. Just now they made my credit limit exactly what I owe. Damaging my credit report as if I maxed my card to the limit. I have always paid back and never been late, they had no reason to reduce my limit after just raising it. I called the company to complain and she said you do n't have any 30 days late on our records, but we will have to pull another credit report to change it back to XXXX. Why should my credit score go down on an inquiry for a limit I already had? I have an XXXX XXXX with a limit way higher than that.

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 04/17/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This has been an ongoing issue with Bank of America. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now XXXX XXXX XXXX, XXXX.Sent letters in XX/XX/XXXX, XX/XX/XXXX, In XX/XX/XXXX sent letters in XX/XX/XXXX and XX/XX/XXXX to  validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XX/XX/XXXXand XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX No XXXX ( XXXX. XXXX XX/XX/XXXX ),  they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.

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 01/28/2016 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent a letter to Equifax outlining errors on my credit report in XX/XX/XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with Credence Resource Management, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To whom it may concern : With respect to where/how this alleged account was originated, I have not the slightest idea? 

I have not had any business with XXXX XXXX XXXX XXXX ( other than many years ago with home telephone service?? ) Additionally I have never received any statements, letters from a collection agency concerning XXXX XXXX XXXX XXXX, phone calls, emails, no communication whatsoever. 

The amount they are seeking/claiming that I am owing them is {$1400.00} This is nothing short of an attempt to extract monies from me, and or them chasing the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Since XXXX when I submitted a complaint against Experian, my credit score has decreased by 102 points. 
I noticed in their summary of report that my number of late payments has increased from 1 to 2.
my years of credit history has decreased from 37 to 12 and other factors have decreased to a credit score of XXXX ( XXXX XXXX. 
This all occurred within a XXXX period in nonconformance with the normal XXXX update period. 

Since XXXX I have paid credit repair bureaus and have expended my own time to do everything possible to increase my credit score.
My current credit score is near the same or WORSE since my time and investment of six months ... all resulting from a complaint I submitted against Experian.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.

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 12-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told by a rep in XXXX XXXX that my loan debt would be put on hold because i was unemployed. And there wouldnt be a payment due for another year which would have been XXXX XXXX. Then i recieved a bill for XXXX XXXX. I called and they told me it was fixed. A month later i recieved a bill that was for {$80.00} due XXXX XXXX. I tried calling again on several occasions. The 1st time they gave me the run around about some paper work..the website they sent me to didnt let me submit my paperwork for some reason. Ive tried calling again to help me out with this problem, but i havent gotten an answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

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 Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX  summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Most of the information on my credit report are incorrect from balance to creditor to timing of my payments to my address there nothing thats accurate about my credit report it need to be change they have XXXX different name for me XXXX different address XXXX different phone number

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