milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX 2016, a new collection account had posted to my credit report from a company that I had never heard of. I called the company, because I never received any notification to dispute this debt prior to it been reported to my credit report. 

On XXXX XXXX, I sent a certified debt validation letter requesting this company provide me with proof of the debt that they are trying to collect. It 's been 30 days and they refuse to send me any information that proves to me that there is a legitimate delinquent debt that I owe to them. They are negatively impacting my credit report with inaccurate information and I was n't given the opportunity to dispute the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). 

I adquire a insurance through XXXX policy number : XXXX. 



On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. 

XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. 

In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. 

XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. 

On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. 


Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. 


So Im in the middle of the firing line of the companies that use the math in your favor. 


Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. 


I hope someone could give me the orientation to what I can do to finish that issue. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Citibank credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXXI ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted Citibank NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, Citibank continues to show this every month on my credit report statement and this is not the true reflection of my account at present. Citibank agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of this year Citibank continues to report my account status as delinquent 90 days+.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with Mary Jane M. Elliott, P.C. Attorneys At Law (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX 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 09-06-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i checked my credit today and found that this company reported me without even trying to contact me i have dispute this debt with other collection agency at one point thru cfpb but they continue to harass me i have several issues with this company also

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.

Company response to consumer: Closed with explanation