milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from some man who would not identify himself from XXXX XXXX stating he was going to have me arrested tomorrow. I asked what he was calling about and he said fraud and I asked again and he would not answer me then attempted to have me verify my social security number and when I said to send something in writing he refused and said all business was handled over the phone. I asked him not to call back and he has been calling me every hour for the past XXXX hours and threatening me if I do not give him my bank account information. He also keeps saying I committed fraud. Fraud on what I have no idea what he is talking about. I asked for proof and he said see you in court tomorrow. he calls from a blocked number is a XXXX number and then leaves XXXX as the number to call back

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Auto) with TD BANK US HOLDING COMPANY (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution. 
First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office. 
Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX my mortgage Company, Seterus, sent me a letter stating that as part of my HAMP mortgage program that I qualified for an additional incentive. The letter attached stated that after the 6th anniversary of my mortgage modification ( which was XXXX XXXX ) if I signed the paperwork and sent it back they would apply a {$5000.00} principal reduction to my balance and would amortize my loan after the {$5000.00} principal reduction was applied. XX/XX/XXXX I contacted Seterus and asked where the {$5000.00} principal reduction was and I was told it comes from the government and it can be anytime after the 6 years. So I waited and waited and finally XXXX XXXX I received a {$5000.00} principal reduction to my mortgage balance. Then my XX/XX/XXXX statement came and the payment amount was still the same so I contacted Seterus to find out if my amortization was in the works or what was the status. I am a single mom trying to make ends meet and I am having a very difficult time right now since the rate keeps rising on my mortgage that was modified and I have been waiting a year for this principal reduction and amortization. I am struggling to make the payments. I ca n't get any to refinance my underwater mortgage because they say I received the modification so I ca n't take advance of the HARP refi that allows people with underwater mortgages to get help. So I was told when I contacted Seterus that they have no record of a amortization and I told the representative " I have the letter you sent me. '' She said " its over a year old we have no record of it '' which its not my fault it took a year for this stuff to be processed. She told me I had to send a letter in writing to the Correspondence Department with a copy of the letter. She also indicated that there is only XXXX people working in that department so there is no turn around time and she does n't know how long any response will take.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Trouble during payment process

Complaint: I have inquired with Wells Fargo several times on their XXXX disclosure. On XXXX XXXX, XXXX I rec 'd my yearly statement which showed a shortage of {$30.00}. I proceeded to pay this amount and sent in an extra {$45.00} to be applied to my Escrow. 
In XXXX. I inquired with Wells Fargo for an adjustment to my monthly payment amount based on the changing of insurance companies. I was told by a case worker XXXX XXXX who was quite rude that my Escrow " showed a shortage ''. I asked how could this be since I did pay off their statement. She said she " would research the issue ''. XXXX XXXX took almost a month to respond of which she stated in a letter that Wells Fargo handled my account " properly '' in a letter dated XXXX. 
I called XXXX XXXX once again on XXXX who put me on hold for at least XXXX minutes, who then sent me to her " team lead ''. I asked again HOW could my Escrow show a shortage when I rec 'd a disclosure on XXXX showing the amount of {$30.00}. The team lead told me to " ask my bankruptcy attorney '', of which I do not have! I was XXXX in XXXX, the case closed in XXXX. I asked why and how should I ask an attorney which is not under my employ on my Escrow, she had no answer. I furthermore inquired WHEN did they disclose ever that my XXXX showed any shortage other than the XXXX letter. The team lead had NO answer. I further asked how they could violate the terms of my bankruptcy and collect a debt of which I never knew existed. She again had NO answer! They simply desire to discriminate against me based on a previous bankruptcy of which Wells Fargo was not effected in any way! I believe the team lead thought I was still in bankruptcy as well, this is pure negligence, stupidity, and idiocy. 
Furthermore, they have taken not days but MONTHS now to respond accordingly, and when they do respond it is same ignorance of which I have inquire once again why they did not address my questions.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.

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 11-06-2017 about Checking or savings account (Checking account) with POPULAR BANK (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.

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 10/25/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. 

I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. 

Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. 

NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Account opening, closing, or management

Complaint: I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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