AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this with Experian, XXXX and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times. 

Company response: Company chooses not to provide a public response
Consumer complaint: Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention. 

Company response: Company chooses not to provide a public response
Consumer complaint: Aargon Collection Agency continues to report false information to XXXX that I owe a debt. I have absolutly no knowledge of this account and feel violated that they keep reporting false information and it is affecting my credit. I informed the collection agency ( Aargon Collection Agency ) that this is not my account but they have been unhelpful in assisting me with this removal from my credit. I have no knowledge of this account and do not owe this account. Please assist me. 


Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not checked my credit report in a very long time. I was wondering why I was unable to open up a bank account, so I ordered a new credit report and noticed a lot of items on there that were not mine. I believe I am a victim of Identity Theft and would like you to please look into this because it is simply affecting my credit score. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made several attempts to have the remark/comment removed from my credit report disputing the account. The account was first disputed through XXXX for the balance and they did send me supporting documentation proving that I owed the debt. XXXX XXXX XXXX has been receiving payments made through XXXX until I recently started making payments to their website. However, I have made several calls to them in regards and provided letters that I am no longer disputing this account and to removed the remark from all three credit reporting companies as they are currently being paid. This is the response back from Experian " XPN We are unable to remove the dispute comment as requested for XXXX XXXX as the creditor has verified that it should remain on file XXXX/XXXX/15. Phone verification attempted but per XXXX at XXXX no information was given without consumer authorization. We have initiated a dispute to verify information with the creditor once more. The consumer will receive the results within XXXX days. A letter from the creditor authorizing removal of the comment would also be acceptable. " XXXX XXXX XXXX keeps stating it is not them but Experian and I do n't know what else to do at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I finally sit down and saw that my interest rate was high on my loan for the car that i 'm purchasing. Its a XXXX valued at XXXX when I finalized everything it came out as XXXX finance charges. Well I was thinking that was might step for that yr and amount and now I got a letter saying that they was sued and had to pay XXXX payment on the loan because of discrimination well I do n't believe it was color but I do believe it was unfair practices on their behalf. I think I could have gotten lower interest rate compared to someone with the same credit the difference was I already had a car loan out already. The company is called ALLY .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a 15 month, 0 % promotional rate " Supercheck '' for my credit card from Wells Fargo in the mail. I placed a balance on the card for a large purchase around $ XXXX. A few months later I used the card to make several purchases and was informed ( on the phone by a Wells Fargo representative ) that I only needed to pay the minimum balance and the total amount for my purchases ( not including the XXXX percent portion ) in order to avoid any interest charges. I did this for a few months until I realized I had been receiving interest charges upwards of {$40.00} each. So I called up Wells Fargo again ( XXXX ) and spoke with a representative that also gave me incorrect information. In addition, I learned that my payments were being split up between the XXXX different balances in an unpredictable allocation percentage. One month could be XXXX, the next could be XXXX ( which was roughly the case ). In the meantime my purchases on the higher interest were growing exponentially ( and so was the interest ) because the allocation of my payments were going largely towards the 0 % interest loan. I was directed to speak with a supervisor ( XXXX ) whom informed me of this. After XXXX practically did nothing for me except drop the interest for 2 of the several months I was charged, he informed me that the only way I could avoid more interest would be to pay off the entire balance ( 0 % interest portion and the purchases ). The reason was because there was no way to tell how my next payment would be allocated. I was directed to speak with another supervisor, XXXX, who told me the same things and kept saying things that were completely irrelevant. After a while it seemed like she got the point that Wells Fargo was screwing me over. She promised to have her supervisor, Georgia, call me on Wednesday ( XXXX ) but I received no call. 

My major complaint here is about the Credit Card Act of 2009 that states in section 164 : '' ( b ) APPLICATION OF PAYMENTS. -- ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of theminimum payment amount first to the card balance bearingthe highest rate of interest, and then to each successive balancebearing the next highest rate of interest, until the paymentis exhausted. " In addition, the terms listed on the Superchecks state : " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. Now the " generally '' I assume applies to the general statement in the Credit Card Act because there is the exception in part ( 2 ) that refers to deferred interest balances in ending within two months. 

This is unacceptable customer service, deceiving, stealing, appears to be illegal, and mal-business practice. In addition to being held accountable for such, Wells Fargo should also be held accountable for the information representative give. 

Note : all my payments are on time and in excess of the minimum payment plus the purchases of that month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called Experian and was not able to help me. 
On annual report.com I put my info in and system will not accept any of the security info system provided me to put in. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate. 

Company response: Company chooses not to provide a public response