milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with Consumer Financial Services (IL).
Issue: Managing the loan or lease

Complaint: I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (IL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: - XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is atta

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My mother was a co-signer on my Wells Fargo private student loan. My parents claimed bankruptcy. Wells Fargo discovered that my parents claimed bankruptcy and hid my account. I suddenly could n't access my account online. I tried talking to Wells Fargo about it. They would n't talk to me about my account. They would n't tell me how much I still owed. They would n't tell me anything about making payments. All they would tell me is that legally, they could n't discuss my account or collect payments because of my parents bankruptcy. They said that the account would reappear after XXXX years. My parents bankruptcy ended this past year. When that happened, my student loan account reappeared, and Wells Fargo aggressively came after me, calling at least once an hour. They said that I defaulted for XXXX years. They said I owed them the entire student loan, I could no longer make payments. They said that my default voided out agreement. They reported XXXX years of backdated defaults to the credit bureaus. They destroyed my credit overnight. They turned the loan over to collections. I ended up settling on an amount. I ended up paying them with the only money that I had, which was a federal student loan. Fortunately, I was in grad school at the time. But, it really messed up my living situation because I had to use that federal money to pay off the old Wells Fargo debt.

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 05/23/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (SC).
Issue: Trouble during payment process

Complaint: XXXX   XXXX  IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO  XXXX   XXXX  AND OTHERS OF  XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a collections account for a XXXX Charge off with Northland Group. I paid Northland Group to settle the account. I accepted a settlement offer with the understanding the XXXX Account would reflect a XXXX balance as I agreed to the settlement offered to me by the Northland Group. On my credit report the XXXX account on my credit report continues to report a balance past due of {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was an XXXX customer. I had a complaint filed with the BBB for unfair sales practices and fraud. ( they added services specifically XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, XXXX XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX, now I am receiving constant calls and letters from Sunrise Credit even though I advised that this was an error and should not be in their records.

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 06/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In XX/XX/XXXX I entered into a twelve ( 12 ) month zero percent ( 0 % ) promotion with GE Capital Retail Bank for Care Credit to finance needed dental work. Despite being on automatic payments, the last payment ( {$500.00} ) was processed on XX/XX/XXXX, three ( 3 ) days late. As a result all the interest became due. Unfortunately I did not realize the bill had not been paid in full for approximately six ( 6 ) months. I contacted GE Capital Retail Bank about what had happened and was told that because the payment had not been submitted prior to the promotional date I was responsible for the interest that had occurred. Due to their error in processing the payment three ( 3 ) days late, I feel they should be responsible to reverse all interest that was charged to my credit card. <P/>XX/XX/XXXX Synchrony Bank became the financial institution for Care Credit. Due to the error of GE Capital Retail Bank the account was already considered over limit which has caused a domino effect of interest on interest and over limit fees to increase each month to this date. <P/>Approximately XX/XX/XXXX or XX/XX/XXXX I contacted Synchrony Bank in an effort to resolve this situation. I was told by a representative that because my account was current they would not be able to talk to me. I asked to speak to a supervisor and the supervisor told me the same thing. I did not know what to do so I just left everything as it was. As time went on the payments were increasing and becoming to a point that my bank account is occurring overdraft fees. I have a fixed income and I can no longer afford the payments they are charging me. <P/>XX/XX/XXXX I contacted Synchrony Bank a second time to discuss the account and the hardship it was causing me to see if a resolution could be reached. Again I was told that because my account was current there was nothing that could be done. Before the conversation was over the supervisor I spoke with told me that they may be able to lower the interest rate for a short period if I could prove I had a financial hardship. I explained all that had happened and was informed that it was not considered a financial hardship. I was then told the only way to resolve this situation was to pay the balance in full right then. Because I did not have that kind of money I contacted an attorney. The attorney wrote Synchrony Bank a letter on my behalf, dated XX/XX/XXXX. There was no response from Synchrony Bank. XX/XX/XXXX, a second letter was written with no response to date. <P/>The attorney has advised me to file this complaint. <P/>Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As a result of the XXXX data breach I wanted to block credit inquiries to all three major credit reporting agencies - XXXX XXXX, and Experian. I could block credit inquiries with XXXX XXXX XXXX for free, but Experion required that I establish an account with them at a minimum of {$10.00} a month in order to block credit inquiries. I believe this places an undue burden on me. I am only trying to protect myself from fraud which might result from the XXXX data breach. It seems unreasonable that I have to pay to protect myself from potential identify theft. XXXX and XXXX offer this simple protection for free.

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 12-07-2017 about Debt collection (Medical debt) with CONGRESS COLLECTION CORP (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert on my credit report that there was a new collection. When looking into this, I saw a collection account for Congress Collection. I placed a call to the company to ask what it was for and was told it was for a medical bill from XXXX XXXX 2017. I have never received any communication from this company. The second issue is that the new law states they ca n't report a medical bill unless it is 180 days past due. If the bill was from XX/XX/XXXX these would still be a few months to have this cared for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Customer service / Customer relations

Complaint: I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder. 

Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure. 

My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan. 

I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: My name is  XXXX   XXXX   XXXX , I am a  XXXX  patient. I am concern for the outcome of the modification that  Chase  is giving me. I have been struggling making payment where {$390.00} is hard for me to make, as well as the increased amount of {$400.00} later on. That  ; s w hy I could not keep up with the payment. Now I am getting the amount of {$430.00}.  XXXX  as the payment per month after modification is booked. I am seeing something wrong with this picture. I would like  Chase to discuss this with the loss mitigation manager department to see if they could extend out the term with the lowest interest rate so my payment can be lower tha n before.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with Reliant Capital Solutions, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started. 

This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports. 

As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (DE).
Issue: Managing the loan or lease

Complaint: I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.

Company response to consumer: Closed with non-monetary relief