milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX For five years now we have had a nightmare with CitiFinancial. First starting with a personal loan of mine for {$7000.00}, I took {$6800.00} out of my retirement to pay off the loan because the interest was so high on the loan. That left {$200.00} to pay, that was in XX/XX/XXXX well we continued to make monthly payments on the loan until XXXX of that same year. My wife and I contacted the XXXX in charge of our account, she told us to stop paying on the account it was paid and there must have been an error and she would get back with us, well she did and told my wife that she applied {$4000.00} to our mortgage, which she did n't, and {$2000.00} to the personal loan. Also XXXX tried to convince us that is how we directed her to do so, definitely false! XXXX either was fired or resigned during this time from that branch in XX/XX/XXXX. Now we begin getting calls from the branch manager saying we owed full payment of {$7000.00} plus late fees. The branch and Citi have been absolutely no help. They also say it happened during a time they were switching accounts to XXXX XXXX XXXX and they 're not responsible for what happened at that time. They acted as if they 're not responsible for their or the employee 's actions. All I know is they stole {$7000.00} from me and my family and ruined my credit ... There is more Citi has done to us I 'll write in another story ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company with phone number XXXX continues to call my number. Last Friday it was @ XXXX, Saturday @ XXXX and XXXX, Sunday @ XXXX, Monday XXXX. The internet says this number is a debt collector for credit cards. I wish you could get them off calling my number, as they have a wrong number. Most of the time no XXXX answers, it 's just a quiet. The person they are looking for is not at this number and NEVER has been. We 've had this number for over 20 years. I 'm crazy with their nagging! There 's been more calls than above noted. Please get them to STOP! 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Management Control, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX mortgage with HFC Beneficial, I was involved in a dispute with them regarding the handling of the loan and the terms, but I had worked out a temporary solution to this and was making scheduled, agreed upon payments with them on time. I was told by them XX/XX/XXXX that they had " written off '' my loan XX/XX/XXXX ( even though I was making on time payments ), they would not give me any further information. I was contacted approximately 6 months later by XXXX XXXX XXXX saying that they were now handling the loan and demanding payment in full. When I spoke with a supervisor ( XXXX ) XX/XX/XXXX, he said my only option was to refinance my house and pay the debt off quickly so that it would n't appear on my credit. He says that even if I pay it out, it will show on my credit as a bad debt until it is completely paid off ( even if I make on time payments ). My understanding is that at the very least, they should allow me to continue to make my payments as per my original agreement with HFC. No one at HFC will talk to me about any of this because they " wrote off '' the loan. 

Some notes about the original loan : I was " Bait and Switched '' into a high interest rate and points when I took out the loan ( XX/XX/XXXX ). I was XXXX and XXXX at Beneficial in XXXX NY told us we could borrow the money for 8 %, no points, over the next weeks he put us off and crept the interest up a little, then after my daughter was born and I had been out of work for a few weeks and he knew he had us hooked and too busy to change servicers, he jacked the rate to 12 % and added the points. We should n't have accepted it, but we were stressed and I thought I could refinance it easily soon after. this did n't work out. 

When my XXXX child was born she had to be in a XXXX 2.5 hours away from our home for over a month and we financially fell apart for a few years. I worked with HFC to lower the interest rate, and got a lot of run around, but caught up with the new payment terms/plan. This agreement with them had to be renewed every 6 months, they always made this very difficult making me send in paperwork multiple times etc. 

The year the loan was " written off '' I was in contact with them regarding lowering the interest rate for the rest of the term of the loan and questioning the way they were calculating the interest, ( I have basically made no progress on principal in all this time ), they made communication extremely difficult and never addressed my concerns, I believe they passed the debt on because they knew they were in the wrong. 

I would appreciate any help you can give us with this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (WI).
Issue: Taking out the loan or lease

Complaint: I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: they mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan from Big Picture loans for XXXX dollars. I started making on XX/XX/2016. I have currently made 5 biweekly payments of XXXX dollars totaling XXXX dollars. I was unaware of the high interest of XXXX and payments not going toward my balance. The cost of this loan is XXXX dollars. I feel the loan was misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Balance transfer

Complaint: Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.

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 07/26/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (I do not know) with Sessoms & Rogers, P.A. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX hired Sessoms and Rogers, PA to collect a debt that they say ends in account number XXXX. A Sheriff ( Deputy XXXX XXXX ) came to my door and had no concrete information but just advised me that XXXX XXXX had placed a judgement on my credit and he never served me with papers or any information. On XXXX XXXX, 2016 I then received a notice from Sessoms and Rogers, PA that stated I could request documentation related to the account in question. On XXXX XXXX, 2016 I received a notice from XXXX XXXX XXXX that they had placed a {$4700.00} legal hold on my account because of a writ of execution from the sherriffs department. I have XXXX issues with all of this ; 1 ) I havent had 30 days to do anything 2 ) the legal hold and fees that the bank applied as well as the violation of my account may have been issued by a lawful entity but it has no merit and is an absolute violaton because there is no due process and it places me and my family in a hardship situation because I am the sole provider for XXXX dependents. 3 ) As I research the situation of how I could even get into this predicament, I see that I was supposed to be provided written documentation from the creditor or debt collector, there could have been a court hearing ( that I know or knew nothing of to defend or advocate for myself ) and I should have been served some documentation and not just a visit. Portfolio recovery for me was already settled when I purchased my home and I would like to know at this point what this is. It is harrassment and an absolute violation. The legal hold by XXXX XXXX XXXX as a tactic used by the Sherriff 's Department is also a major violation because they put a hold on an account that would never have {$4700.00} in it and all utilities for my home come out of that account. How could one ever pay all of that money at one time, continue with not falling into debt with their other creditors and servicers and not fall into deeper debt? No one wants to provide me with written documentation. I have been in a predicament before where I called people and thought I had a settlement and then it turned into something else ; I only want clear and written documentation and the only person I really would like to talk to is someone who can advocate for me and a judge who I know would have transcripts of our encounter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: You did not have a problem category that exactly matched with my experience. Here is my problem. On XXXX XXXX, XXXX we received a letter in the mail from Citi about our credit card account. It said that we are to be issued a credit which represents a refund of certain fees previously billed to our account for a discontinued credit monitoring program previously offered by Citibank N.A. It went on to say that " a statement credit of {$140.00} representing the refund amount has been applied to your account and will appear on your statement within two billing periods. '' It is now 4 months later and no credit of the expected amount ( or any amount ) has ever been posted to our account. I called and spoke with a rep at Citi. He told me that the credit has been given to me. I asked him for the date of the credit posting and he said he did not have that information. He then referred me to a different phone number and it turned out to be a robot system that was unable to help me. In other words he " blew me off ''. It is apparent that Citi is dodging this issue.

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 03/29/2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. 
Please have Bank of America sent me a written receipt for my XXXX 2015 payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation