milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Managing the loan or lease

Complaint: Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. 
I have not received any correspondence on these Inquiries concerning rejection. 
For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. 
My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( TRANSUNION ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT TRANSUNION? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING 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 explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Shopping for a loan or lease

Complaint: Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 07-11-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NC).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX in XX/XX/XXXX but the finance company is not reporting my ON TIME payments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: On XXXX Bank of America posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????

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 monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit report and found tha t Kimball Tirey St John is re porting on my credit report for over {$6000.00}. On all  XXXX  bureaus it is reporting different amounts between $  XXXX  {$6800.00}. I sent a debt validation letter o n  XX/XX/XXXX  and  XX/XX/XXXX  with no  proof of the validation.  Kimball Tirey St John sent  an electronic response to all  XXXX  bureaus and never sent me proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.

Company response to consumer: Untimely response
Consumer complaint received 01-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm a veteran who returned back to school & made student loans through XXXX XXXX Borrowers. I became XXXX & filed a form of Forebearance from XXXX XXXX Borrowers which after much struggle & filling out forms got my loans forgiven. Then along comes Navient claiming I need to pay the same amount of money that XXXX XXXX had forgiven me in 2015. I attempted to clarify this up with Navient but the representative did not want to hear my story, claimed I went to a school in Georgia & threatened me with stiff payments & no restitution of said debt. He was very rude & obnoxious. I have proof of XXXX XXXX forgiving me the debt because I 'm XXXX & unabled to work

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (MI).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? 

I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. 

Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Managing the loan or lease

Complaint: I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I upgraded my XXXX XXXX XXXX internet service back in XXXX, XXXX was suppose to cancel the old service once new service was connected. I recieved a bill for the old service for {$130.00} months later I contacted XXXX twice and was told no problem we will take care of it and that I do not owe it. Today I got a collection notice stating I owe XXXX. I have been on the phone with XXXX XXXX XXXX for an hour and half I have been transfered 6 times and this is still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Installment loan) with BlueChip Financial (GA).
Issue: Problems when you are unable to pay

Complaint: I am self employed and I started having health problems and still am to this day under several doctors care. I lost my income and i wasnt able to pay the monthly installments. I tried to work out something else and they refused. Kept calling with threats. Today i get a call claiming it was a courier trying to deliver a letter thaf i had to sign. then called friends and relatives. I called back to see what they were talking about and the guy said i owed XXXX dollars on a XXXX dollar loan. I said really do you think I got that kind of money. He said he wasnt going to argue with me. he threating to take me to court. i told him that was predatory lending and the amount was ridiculous. He keep gettin smart so i hung up. then a few minutes later he called back. my number is on the do not call list but they keep calling. The company is Spotloan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My payment history is incorrect. Account has not been late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Managing the loan or lease

Complaint: I spoke with a representative from the company and asked about credit reporting. 
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off. 
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

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