milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

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 12-04-2015 about Debt collection (Auto) with Cascade Collections, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am currently going through an appeal. In the midst of my case, I feel my privacy rights are being violated. The lawyer XXXX XXXX XXXX, that is representing the Plaintiff ( Cascade Collections ) in this case. ( Case # XXXX ), has not only mailed but faxed paperwork regarding my case to my place of employment. The Federal Debt Collections Practices Act was created to protect us as the consumer, so that we may be able to work with out feeling harassed or feeling anguish in our place of employment. He has had phone conversations with my boss, who should n't have even known about my case situation other than just the garnishment and to solely garnish my wages as requested until the appeal case is resolved. Nothing more. 
The fax machine that the attorney XXXX. XXXX XXXX faxed information to, regarding myself. Is a fax machine that everyone uses at the office for medical reasons. Not for personal cases regarding employees. He did n't have permission by myself or my employer that he could do so. He also mailed a copy of my case to my place of employment. Now everyone in my clinic knows that I have a collections debt in court and that I am being garnished unfairly. 
I am in jeopardy of losing my job and now have no money to even pay for the debt he is coming for. Because this has caused me such anguish and embarrassment. The attorney has abused his power and I have proof that Cascade Collections knowingly produced a false collection letter that was never sent to my home. 
I am in such a hard place, in the fact that I am just an average person earning just enough to pay my student loans and other regular bills deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws Chase Mortgage account included in bankruptcy reported on XXXX   Chapter XXXX bankruptcy filing on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (NH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To  Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (UT).
Issue: Fraud or scam

Complaint: In late XX/XX/2016 I received a phone call from an individual claiming to work for a computer repair company. I was told that my computer had a virus that needed to be removed. he told me that he needed to gain access to my computer to install an anti virus program. After watching him do things to my computer for about 20 minutes he told me it was fixed. He then told me the cost was {$190.00} for the program. I put the charges on my credit card. about 5minutes later he told me there was a mistake on there end and they would reverse the funds. he put a form on the screen tor me to fill out, when I placed the amount on the specific line the man on the other end went into instant panic and said " 0h my XXXX sir what have you done? '' I asked what the problem was, he said " I 'm going to lose my job over this one ''. I again asked what did I do. He said that I entered the amount of {$1100.00}. At this point I 'm in panic mode as well and just being woken up early in the morning I was thinking about any thing but resolving the problem. I was on my cell phone as I drove to western union in our local XXXX where I transferred {$550.00} to XXXX separate accounts in XXXX. After the transfers were complete as I was driving home my cell phone died so I tried to call this man back on my land line, when I called the number was no longer in service. At that point I realized that something was not right. I looked at the area code from the caller came from Washington State and I knew my money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Consumer Loan (Vehicle loan) with Avid Acceptance, LLC (GA).
Issue: Managing the loan or lease

Complaint: On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with CONTRACT CALLERS INC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't receive a notice of right to dispute. I sent Contract Callers a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information.If this account is not deleted I will file a lawsuit.

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 04-09-2015 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (WV).
Issue: Problems when you are unable to pay

Complaint: The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Credit decision / Underwriting

Complaint: My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over. 

My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property. 

In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX. 

I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours. 

From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time. 

My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month. 

I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months. 

My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change. 

I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly. 

Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Back in 2014 I contacted XXXX XXXX XXXX XXXX. in reference to a charge I had been disputing an account with XXXX XXXX XXXX/Mariner Finance Company. The matter had been resolved due to a settlement agreement. The account is still reporting with a balance due and opened which is inaccurate. This has been reporting now for several years when it was already resolved.
I sent Mariner fiance a letter explaining the issue and they have yet to respond. There is no money owed to this company and has n't been for sometime now and yet they are still reporting a balance and will not respond to my request.
This has also been disputed with the credit reporting agencies yet they are still reporting the information.
This is very upsetting and it needs to be cleared up immediately. I have been trying to get this resolved and it 's affecting my ability to make any type of financial move. This is absolutely ridiculous.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Consumer Collection Management. Inc (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is 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 05-03-2016 about Mortgage (Conventional fixed mortgage) with AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP. (CA).
Issue: Application, originator, mortgage broker

Complaint: My Loan Originator/ Realtor signed Documents on my behalf without Authorization to do so. My husband and I were reviewing Residential Purchase Agreement and received word that XXXX XXXX went ahead and completed a Residential Purchase Agreement on our behalf. The Documents were signed Electronically using her own personal email and work email. She does fraudulent things like this often and we are tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my XXXX, XXXX & Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation