AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I purchased a XX/XX/XXXX XXXX from March Motors. Buy here Pay here establishment. I paid {$200.00} for the tag. My payment books shows XXXX bi weekly payments of {$240.00} and the last ( XXXX ) payment of {$170.00}. 

The tag was only {$170.00}, leaving a credit of {$20.00}. My Florida Vehicle Registration shows hand written the credit will be applied to loan. 

XX/XX/XXXX, I received pay off balance of {$1300.00}. I then asked for pay off balance again On XX/XX/XXXX concerning my last payment per scheduled payment statement for XX/XX/XXXX. 

I was informed by email on XX/XX/XXXX by written attachment of {$380.00} after making a payment of {$240.00} the same day. 

Now according to the payment booklet, my last payment shows last payment of {$170.00}. 

At this point, I asked for itemized payment history. I would only receive statement of {$380.00} until XX/XX/XXXX. 

I have asked by email over and over for itemize statement, to no avail. 

Now after sending email to XXXX of March Motors ( Cashier ) that I would be filling complaint to Consumer Financial Bureau, I finally received partial itemize payment statement. I also asked over and over, how when last statement shows {$170.00}. 

I have yet to receive an answer. 

This establishment will not allow grace periods, therefore how is that amount accurate? I have yet to see what are the late fees along with interest. 

I have emails along with documentation of my tag statement. It is not adding up. 

How is the last payment {$380.00}? 

Please assist so I can pay this vehicle off. 

I have documentations of payment scheduled printout, along with emails for my proof. 

Please assist. 

RespectfullyXXXX XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after 2 CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence '' 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening. 

Company response: Company chooses not to provide a public response
Consumer complaint: PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES. 

Company response: Company chooses not to provide a public response
Consumer complaint: Violation of mortgage. 
Mortgage FRAUD 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX listings on my credit report from Trans Union on derogatory list are paid and listed with XXXX balance and XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX Ohio ) will not take this off my report. 

They were medical charges from XXXX Hospital in Ohio, and I contacted them and they contacted XXXX XXXX XXXX and said they wont take off my credit report. and that it will remain on my report for 7 years. 

Why should u pay them off? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX refused to honor my dispute. They continue to false bill me for services that I never had. I had conversations with the agents regarding a XXXX account. I tried to educate the collector that the account was never XXXX. I was told " If you paid your bill you would n't be in collections. '' Agent refused to accept a dispute over the phone. I was told the dispute was to be placed in writing only. After speaking with XXXX my equipment was received om XXXX/XXXX/2015. I should not be in collections. Instead of listening the agency became abusive. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent Experian sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than XXXX years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for a XXXX XXXX XXXX XXXX XXXX credit card with US Bank that had an enrollment bonus of XXXX points after making {$3500.00} in purchases. After completing this {$3500.00} spend, I only received a XXXX point bonus. I would like the full amount as advertised and agreed upon prior to my application. 

I confirmed the enrollment bonus with a rep on the phone after I received the physical card. 

There is a lower level card available from US Bank that only gives XXXX points, but I confirmed with the rep that my account was the XXXX Signature version, which should be awarded XXXX. 

I emailed on XXXX and XXXX, and called on XXXX, but this issue has not been resolved yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke! 

The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen. 

Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them. 

I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice. 

I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad. 

I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people. 

I filed this complaint to maybe help others from being fooled by Synchrony. 

They win again, buyer beware.
Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. 

The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. 
Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . 
I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. 
Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all 

Company response: Company chooses not to provide a public response
Consumer complaint: Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response