milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called Portfolio Recovery is incorrectly reporting XXXX  accounts on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debts on my credit report.
I am including a section of a recent report which shows how they are being reported to my credit.
The XXXX account is being reported for {$360.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$370.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$470.00} with an account number of " XXXX '' and an open date of XXXX 2016.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has a 92 % negative rating with the Better Business Bureau. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (GA).
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 have repeatedly disputed an account from XXXX, XXXX  that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX  Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;•	The Original Signed Account Agreement and Terms and Conditions. •	The Assignment and Bill of Sale for this account.   •	The Explanation of Accounting for the account balance of XXXX.  In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:•	XXXX XXXX is listed as a financial services company.•	The Loan Type identified as a Factoring Company Account.•	Original Creditor is not listed.•	No Charge Off Amount is listed.•	No Date Closed is listed. This type of reporting is not aligned with Metro 2  Reporting Guidelines or XXXX XXXX XXXX  XXXX instructions, and a potential violation of the Federal Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with DISCOVER BANK (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX  years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with Northstar Location Services, LLC (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.

Company response to consumer: Closed
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XXXX/XXXX/XXXX balanceXXXX, XXXX/XXXX/XXXX balance of XXXX, XXXX/XXXX/XXXX balance of XXXX, and XXXX/XXXX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported. c

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX, Experian and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

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 10-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Private loans from XXXX tech were disbursed on my behalf in a fraudulent manner and the loans need to be cancelled/discharged. Proof and documentation are included.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Closing/Cancelling account

Complaint: I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes XXXX or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them and not getting simple problems resolved. 
They 've already made XXXX mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Struggling to pay mortgage

Complaint: HSBC on XX/XX/XXXX completed a loan modification for me on loan # XXXX. HSBC performed an Intentional fraudulent modification without my knowledge and Unapproved documents were never presented to me. Concealment of the loan documents were never provided when requested. HSBC failed to disclose terms and conditions of the modification and failed to disclose the modification period. HSBC never informed me anything regarding the XXXX XXXX XXXX XXXX. Since the modification HSBC has since sold the mortgage to XXXX XXXX XXXX XXXX ( XXXX ) # XXXX ... XXXX XXXX XXXX contacted HSBC on my behalf shortly after XX/XX/XXXX and  requested the modification loan documents. The loan modification documents were not able to be located per HSBC. Since that time I attempted another modification with XXXX however the 30 year term and interest rate were to extreme. I had already resided in the mobile home for 10 years and now XXXX was asking me to accept another 30 year mortgage at a 9 % interest rate in which was too substantial for me. I owe more than what the mobile home and 5 acre property are worth. I am currently contemplating a foreclosure and short sale of my property. Since the loan modification I have paid fees and high interest rates due to HSBC

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (VT).
Issue: Closing on a mortgage

Complaint: My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.

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 09/29/2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. 

As noted in

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: An Area Sales Manager for Wells Fargo Home Mortgage was quoting interest rates to a consumer with no active NMLS number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Unsolicited issuance of credit card

Complaint: Paypal opened a credit card account without my permission and stated such on a call to custonmer Service

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