milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my XXXX XXXX the balance of my debt of {$59.00}. I accidentally sent them {$69.00}. Paid in full right? I check my credit report and I have Security Credit System on my report. I never dealt with Security Credit Systems. I dispute the debt. I receive a letter on  XXXX/XXXX/XXXX from Security Credit System , Inc saying I have a balance of {$9.00} ( handwritten on invoice ). What it also has handwritten is a charge for collection fees of {$19.00} and no date. Which is 33 % of the original debt. I called SCS to dispute the charge. They REFUSE to send me any and all copies of invoices they claim they sent with this balance on. They claim the collection charge was added XXXX/XXXX/XXXX. They REFUSE to send me any copies of an invoice showing this charge sent to me or fees added at this date. They REFUSE to send me any copies they claim they sent me They REFUSE to send me any documentation of their fee rates nor send me any literature on how they came up with a 33 % Fee. They REFUSE to send me anything. They threatened to put on my credit against me yet refuses to give me any way of disputing this. My debt was paid to XXXX XXXX XXXX XXXX and that is final.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
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: This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.

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 explanation
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (PA).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle loan with American Credit Acceptance up until XXXX of 2015. Due to unforeseen family and financial issues I could not afford the payments and was coming up on being three months behind after having the loan paid as agreed for almost three years. Since I could not catch up on the payments, I requested a Volunteer Surrender. The company did not follow the repossession laws of the state of Pennsylvania. They did not tell me when they were coming by phone or in writing, I was reprimanded by the tow truck driver for not having the keys ready, and did NOT receive the required letters stating where the vehicle was to retrieve my personal items, if and when the vehicle was to be sold and how much it was sold for. The only letter I received was from them stating I owe {$1300.00}. Not knowing the law at that time, I called them to make payment arrangements, and they also gave me a settlement payoff of {$600.00} to keep the debt off of my credit report. They gave me a workable arrangement. 
A month later a received a letter stating my debt was turned over to a company called XXXX XXXX. I called them and they would not honor my payments arrangement. This debt is now shown as a collection account on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with SCV Inc. (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit reporting companies are including number of credit inquires as a factor in computing my credit score. I have no control over whom is doing inquires and the frequency of those inquires. Further, several inquires were not related to actually applying for credit but only to check interest rates. These uncontrolled and frequent inquires are having a negative effect on my credit score which affects my ability to get lower interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Since approx XX/XX/17, XXXX XXXX XXXX has called me because I am behind 1 payment. They have called me from an unknown number, every single day except Sunday, every hour at least once ( the calls occur between XXXX and XXXX ). Just today, they have called me 5 times. The calls started at XXXX. The last 2 calls occurred at XXXX and again at XXXX. I have picked up the phone and made them identify themselves .... This is how I know who it is, otherwise I would have had to trace the calls. This is harassment and it is an annoyance that I am very tired of. This company should not be allowed to call me from an " unknown number '' and they should not be calling me every hour of every day, 6 days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Submitted A Dispute for Fraud After  Over 5k was mis sing from my Account and they Never followed up with me 30 days later I contacted them and they said a form needed to be filled out I filled it out and sent it back same da y two weeks lat er I called and they had denied it no written anyt hing and two weeks. Then the guy on the phone said that he was submitting a appeal and then I would know  in  two days b ut then I it was ag ain two weeks later I called and they declined it again! So then I submit my etc affidavit and police report and still nothi ng

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I do not know where to begin, except my situation with my mortgage is not right. Its been on-going for years since during and after my Chapter XXXX Bankruptcy discharge in XXXX. For all I know, it may have started when I bought my home. My mortgage was with XXXX XXXX, which was bought out by XXXX XXXX XXXX at the end of my Bankruptcy in XXXX ; which in turn was handed over to SPS to service in late XXXX. In addition, ever since a medical condition and a long unemployment, I felt that something was not right with how my situation was handled. For starters, there was a court order entered through bankruptcy court, which I feel was violated. I have attached this order with this complaint along with an audit/transaction print out from both XXXX and XXXX XXXX. Pay close attention to the date of the order and certain transactions done on or about that same date. When I question the mortgage company about their compliance with the court order, I was told that I did not know what I was talking about. However, it is in black in white. How much does a mortgage company need in " Restrictive Corporate Fees '', and then to turn around and tell me it was for attorney 's fees???? The big kicker was " we do n't care about that order '' From day one, my interest has been 14.65 %. When I ran into trouble from XXXX and my job loss between XXXX through the present, instead of the mortgage company helping me out by adjusting my interest rate and lowering my payments, I was denied a modification, but given a repayment plan that is barely affordable. Then my escrow was discontinued, which put me in situation where I felt the need to put my house on the market just to escape these crooks. I kept every piece of paper on my mortgage from the day I bought my house, and I probably have paid my house off at least XXXX times over. I have attached documents such as court order, transaction history, last statement from XXXX before switching over to SPS, correspondence regarding my Forbearance and Repayment plans, pay-off quotes, XXXX from Washington and XXXX from SPS, a fax to my bankruptcy attorney upon discovery of the violation of the court order and XXXX of few letters of circumstances that I was ask to write.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mirand Response Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: amount was XXXX and attempted to collect XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: not able to get free credit report. after being denied credit. have to send photo copies of identity, and address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, XXXX XXXX/XXXX XXXX is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for XXXX XXXX/XXXX to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send Equifax and   XXXX   alerts to remove the remarks because no investigation was done by the companies in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX company sold my mortgage loan to Selene Finance. My loan was modified under XXXX XXXX company. Selene has done the following since they purchased the loan ; 1, ) Did not honor the modification2. ) Added {$140000.00} to the balance of the loan3. ) Increased the interest rate from 3.00000 % to 7.625 % 4. ) Did not pay the real estate taxes per mortgage ( from escrow )

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with BARCLAYS BANK DELAWARE (GA).
Issue: Account opening, closing, or management

Complaint: Unauthorized hard inquiries by barley bank and XXXX I made no applications to either of these need them removed lost XXXX points on my score.

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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you

Company response to consumer: Closed with explanation