milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies

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 06-12-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Auto debt) with TCF NATIONAL BANK (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.

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 07-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Cascade Capital, LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my 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 11-07-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I had a lease through Toyota Financial Services ( TFS ) which ended. I received a letter from TFS dated XX/XX/XXXX, stating I owed {$430.00}. 

On XX/XX/XXXX I spoke with XXXX ( Agent XXXX ) who reviewed the charges. Most of the charges were incorrectly billed to my account. There was a questionable amount remaining of {$62.00}. That amount was for a pro rated property tax amount due from the previous lease holder ( the lease is a transfer ). XXXX was not sure I owed this charge and told me to call back on XX/XX/XXXX to confirm the status of this charge. 

When I called back on XX/XX/XXXX, I was told the amount went to collection with XXXX XXXX. To avoid reporting to credit agencies I promptly paid the balance. 

Going back to TFS on XX/XX/XXXX I have been transferred around several times and once again was told to call back. 

In the interim I have been transferred to 5 different people, all from different departments of TFS ( or some other corporate entity of Toyota? )

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 BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently settled the amount that Bank of America accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 09/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Select Portfolio LLC ( who have held my original mortgage for 9 years ) to try and refinance through the HARP LOAN process. This request was to be completed within 3 months. I am a XXXX and had some trouble keeping a " stable '' job for a little over 2 years. During this time, Select Portfolio lowered my payments ( to {$820.00} ) while I was pursuing a career in XXXX and XXXX at XXXX College and XXXX College ( XXXX ). After completing the schools, Select Portfolio resumed my original note payment of {$1500.00} per month. I also have a {$190.00} per month HOA payment. I can not make these payments ( even though I rent to XXXX person for {$400.00} per month ). I now have a ''stable '' job ( also Oil Royalties averaging {$600.00} per month ) and know I could make loan payments of {$1000.00} per month plus my HOA payment. I have been making {$1500.00} payments for the last 9 months at the original rate of 8.3 %. Select Portfolio has stated over the telephone to me and my accountant that the information requested would complete the loan application and that they could let us know within 5 business days of theoutcome of the HARP loan applied for. They requested more information after making these statements XXXX different times. The continual lack of honest communication concerning my loan has affected my mental health. Select Portfolio also calls and uses abusive techniques concerning my monthly payments. I have withheld my XX/XX/XXXX payment because of the handling of my HARP loan. My credit score is poor and I do not know why they continue asking for more current information and processing this loan if, in fact, I do n't qualify. This continued pursuit of this loan is showing a complete lack of good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Private student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX XXXX, XXXX I received a letter regarding my loan that was not easy to understand. 
The due date has two dates spanning from XXXX to XXXX. This is confusing. It is not clear what a 'Level ' Schedule type is. There are two installment amounts. Why? It is not specified what an 'Anticipated cap ' is. 

The lexicon of this letter is not easily understood by consumers. It seems it is purposefully vague and when speaking with the company I was told it has no intentions of changing the letter format. I am concerned that the future important correspondence with the company will be poorly outlined.

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