milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call from the Valentine and Kerbatas Collection company. The representative explained to me that she had me on a recorded line, however failed to name the company on the recorded line. She then proceeded to ask me to verify my SS # and DOB. I stopped her and asked her to provide me the name of the company again before I would validate or verify anything ... the lady got very upset with me and kept saying I was on a recorded line. I told her I did n't care and wanted more info about the company BEFORE giving any of my info. She then hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

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 09/15/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with CCS Financial Services, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with both XXXX and Credit Collection Services. Credit Collection Services has not been able to prove that this account they are reporting is 100 % accurate, verifiable and timely. See attached letter ( settlement offer ) they sent when I requested debt validation. This erroneous account should be removed from my credit report immediately. I have never done business with this company, nor have I ever signed a contract with this company and the letter they sent has not merit as to the validity and verifying this debt ; therefore, consumer law states that this account must be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Lease) with VW Credit (NV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late. 

On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I  attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient  has denied me payment plans that would meet my income and Now that I am back in school they refused to put my loans into deferment. I have been arguing with them for over 2 years now to please take my loans off my credit report as defaulted. I have not defaulted on them. I have been in school and yes, I did take some time off due to personal health issues but I have never even been out of school for a whole year since  2013 . When they told me I could n't be deferred I was blown away because I was told that I could be deferred up until  1st year after graduation. I then even tried to set up a payment plan with them just to keep it from hurting my cred  it score an d was told I would have to pay  XXXX  $ a month and was denied anything lower. Now because they would not give me a reasonable amount that I could afford and wo n't defer me even though I am a  XXXX   XXXX   XXXX  attending  XXXX   XXXX  I am being denied for personal private loans and all loans or help because of the derogatory remarks and Navient saying I have failed to make payments. I need money to help pay my rent and bills and ca n't get help. I ca n't get a credit card I ca n't borrow for anything. I do n't think it is fair that they have been able to deny me help also because they should have to borrow to me since they caused this. For  over two years they have been destroying my credit score and refuse to h elp me

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been on the phone for 7.5 hours trying to get my credit report straighten out with trans union the information they have on my report is incorrect and they have people that can hardly speak English and I advised them there should be nothing pending on my report and they kept talking in jiberish that I could not understand and I advised them that XXXX XXXX plus dollars was paid off on the XX/XX/XXXX and should be closed out and they said it is not their responsibility to correct the problem I also contacted the creditors that were paid off and they said it is n't there problem to get it off my report so I am being held up on buying a home of about XXXX or XXXX items that show in collections that were paid off by my health insurance. I guess their purpose is to keep people from buying anything and not taking responsibility for their action I think this is criminal XXXX and would like this issue resolved that is why our country is in the shape it is in now and people are voting for someone who is not getting paid under the table to look the other way which I am sure you are also but I have stated my complaint and I believe that you all will just look at it as oh well just another complaint aint know wonder people are going nuts in this country I am beginning to see why just by dealing with it 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 non-monetary relief
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with GOLDMAN SACHS BANK USA (NV).
Issue: Struggling to pay mortgage

Complaint: Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/2016 on of our newly opened business account was " taken over '' and over {$10000.00} was stolen by a thief by the way of ATM, department store purchases and in branch cash withdrawals of various amounts not exceeding {$2500.00} at different branch locations. 
A Banker helped us open a claim with WFB and was able to retrieve the money stolen from our account through the ATM. However, WFB rejected the in-branch cash withdrawals totaling {$9400.00}. 
For 6 past months I 've been told by the Banker that this is a mistake and that claim would be re-opened and re-evaluated. But no progress has been made. 
All requests to the supporting documents such as photos/videos used by WFB to reject our claim have been stone walled. 
The bankers do n't take our calls or return our messages. I spoke directly to the claims department and they said they will let me know 'if ' ( yes I confirmed they did say 'if ' ) the documents were available and that they do n't necessarily need to have documents to reject a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Credit card) with AllianceOne Recievables Management (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by Seterus some years back, while I was in the middle of a chapter XXXX bankruptcy. Seterus has repeatedly rejected all attempts on my part to communicate with them. They said that I needed my lawyer to send them a permission. I asked my lawyer at least XXXX times to send such a permission, and was informed each time that such a notice had been delivered. 
My chapter XXXX was discharged successfully in XXXX of this year. I am XXXX of the 35 % who are successful in this regard. I sent notice to Seterus, along with the discharge papers, via fax. I requested information on the status of my account ( Escrow, Suspense Account, and Payment Coupons ). I received no reply. I asked again via e-mail. Again, no reply. Then I checked my credit report and found that Seterus was listing me in their account statement as having declared bankruptcy in XXXX of 2015, rather than having been discharged. Bringing that to their attention resulted in nothing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Quality Recovery Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( 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 ) XXXX

Company response to consumer: Closed with explanation