milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Managing the loan or lease

Complaint: I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: I have my car loan with Ford Credit. My account number XXXX. On XXXX/XXXX/XXXX, I went on line to make my XX/XX/XXXX payment but the on line payment screen indicated my account was current and my next payment due date was XXXX/XXXX/XXXX. I have attached a copy of the screen shot for your reference. As a result, I did not remit my XX/XX/XXXX payment. Again, the on line screen showed that my account was current and a payment was not due. I thought that either Ford was offering some type of skip a payment since my due date was showing as XXXX/XXXX/XXXX or that since I had been making payments every two weeks ( 1/2 total payment paid every two weeks ) that my loan was truly paid current. Just recently, I received a letter from Ford advising that my account was past due. I contacted Ford today, XXXX/XXXX/XXXX, to ask how my account was now showing past due if on XXXX/XXXX/XXXX my account was showing current. Please note my payment is due on the XXXX of each month. The customer service representative told me she did not know why the on line screen would have showed that my payment was current and that I owed the XX/XX/XXXX payment immediately. I asked to speak to her supervisor who told me the same thing. The supervisor also told me that I was the only one who had called to report this type of issue. He implied that what I was telling them was not true ; however, please refer to the screen shot I have attached. I asked if they would allow me some extra time to remit the XX/XX/XXXX payment as the XX/XX/XXXX payment was due next week. I was told I must make the payment immediately XXXX no later than XXXX/XXXX/XXXX ) or they would report the payment past due to the credit bureau. Ford Credit completely disregarded my concern and made no exceptions for me even though they clearly made an error. It is clear that Ford Credit 's on line payment system was incorrect. I do not agree, nor do I think it is fair, for Ford Credit not to work with me to allow me extra time to make my XX/XX/XXXX payment ( without reporting my XX/XX/XXXX payment as late ). Their customer service is inadequate and they failed to " resolve '' my issue. I reported an error to them over the phone today, and I am now reporting a notice of error that I expect to be resolved. Just stating that no one else has reported this issue and demanding I make the payment immediately does not constitute resolution. Ford Credit can not display incorrect information on their on line system and expect their customers not to voice a concern or ask for an exception due to their error. This seems to be an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up

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 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: We refinanced our home through WAMU in XXXX. After signing the documents WAMU added a predatory loan amount of {$1000.00} month to be charged to our principal. For five years {$1000.00} month was charged to our principal along with interest on a loan balance that ended up being $ XXXX in XXXX when Chase took over our loan. We were not successful in getting this resolved with WAMU before JP Morgan Chase took over our loan. Although after the takeover Chase did stop charging the {$1000.00} month to our principal we have had to pay interest on the {$60000.00} that WAMU added to our principal XX/XX/XXXX-XX/XX/XXXX. 
We have tried working through attorneys, financial advisors, attending homeowner help seminars to no avail. Chase maintains they are " stuck '' with what they bought ( or were forced to take over at the time ). In the past six years since Chase took over our loan we have paid interest on the {$400000.00} balance leaving us underwater from XXXX. We now owe {$350000.00} on our WAMU/CHASE loan that started at {$360000.00} in XXXX and increased to $ XXXX over 11 years. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, leading to a breach which puts myself and millions of others at potential risk. I am especially disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for consumers to deal with. Considering the generally misunderstood nature of credit reporting among the general public, Equifax should have immediately contacted everyone affected and provided the public with a list of concrete steps to take. I should not have to figure out how to safeguard my information by myself when a company 's lack of security was what caused it to be compromised. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquires on my credit report that I did n't authorize. I did n't apply for credit or do any business with these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. 
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with RevCrest, Inc. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (CT).
Issue: Other service problem

Complaint: Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (OH).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we applied for a line of credit with XXXX XXXX XXXX. The Line of credit was for {$40000.00}. In XX/XX/XXXX, my wife was diagnosed with XXXX and level XXXX XXXX XXXX. The line of credit we had only spent {$13000.00} of the total amount. And fell behind on payments and was in the process of negotiating with XXXX to settle for {$5000.00} to pay off this line of credit. The line of credit went into default and was written off. ( The loan was then sold to XXXX XXXX Prior to Default, which merged with XXXX XXXX XXXXXXXX XXXX. Ditech has written of the debt but not claims we owe then {$45000.00} with no explanation. I have mentioned to them the amount we spent and requested payment history. 

I have requested payment history of the line of credit and noticed something on the payment history that said amount XXXX balance XXXX with a description of former RL. which I questioned and asked for proof which we have never received. I am attaching the payment history and a letter I sent Ditech in XX/XX/XXXX. I have circled the item in question and have not ever been told or given proof of the phantom item. My wife is very ill at this time and I am trying to get this matter settled. I have offered to pay the XXXX to settle the debt. even in XX/XX/XXXX of this year, I have offered to settle the debt for XXXX just to get this matter behind us. And have heard nothing from Ditech. the so called supervisor of our case her first name is XXXX. and would never provide her last name or I do not remember it. 

We desperately need help to get this matter settled and removed from our credit report. I am at my wits end on this matter and Ditech will not settle this matter nor help to reach an agreement. I have asked for proof of the monies spent and they can not provide anything, to verify the money we spend or the balance of what was left on the line of credit before it went into default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX  and  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Other banking product or service) with WESTERN ALLIANCE BANCORPORATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The funds are not being applied to the account. See attached documents for details.

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 03-04-2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have asked this company to contact me on my personal cell phone after XXXX, twice. I can not take personal calls at work. I have spoken to a woman and a man & have stated this to XXXX them. I have received a phone call from this number everyday with an automated voice mail. The company is global credit and collections corporations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Auto debt) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

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