milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Consumer Loan (Vehicle loan) with Automotive Services Finance, Inc. (AE).
Issue: Managing the loan or lease

Complaint: I had a vehicle loan with Automotive Services. I am XXXX XXXX military. I received orders to XXXX. Once I saw that was happening I informed Automotive Services of my upcoming move and that I could not take this vehicle with me. I informed them also of the Service Member Civil Relief Act and they said they did not honor that. So my options were pay for a car for XXXX years that I would n't be able to see or drive or turn it in. I tried to resolve it in a civil manner and they kept telling me they would not honor that Service Member Civil Relief Act and that I would have a repossession on my account if I willingly or unwillingly gave the car up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (TX).
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: On X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Caliber Home Loans, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and requesting validation of a debt I do not owe for nearly a year now and TRANSUNION has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.

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 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Source Receivables Management LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to source reveivable management XXXX XXXX informing them they are reporting an invalid account. I do not owe on this account and do not have a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WESTERN UNION COMPANY, THE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was enrolled in Paymap, Inc. 's Equity Accelerator program through a variable mortgage I had with XXXX. I received a letter dated XXXX stating that a settlement had been reached between Paymap and the Consumer Financial Bureau ( AP File No. XXXX ) and I was due program fees, but had n't cashed the check yet. I had never received the check, but the letter included instructions to get a replacement check. I sent an email with the requested information to the appropriate email address on XXXX. I got an automated response saying that my request was received and being reviewed. It got to be XXXX and I had n't had any other correspondence from the company. I called again and the rep on the phone did n't have a lot of information other than that many replacement checks had n't gotten to people and I should submit my information to the email address again. I did this on XXXX, but got an automated response that the deadline for requesting a replacement check had passed. As a result, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Reference XXXX Experian is asking me to send in documents. They have my address as I just called them and asked. 

More stall tactics from experian.

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 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Im already Citibank credit card customer and applied for another one Advantage to get miles reward. The approval process went fine I was approved and received the card at my home. When I tried to activate the card I was transferred to an agent and he said I needed to send my social security card in order to activate my card. For security reasons I insisted they already had my data and I could confirm the last 4 digits but I could not send my social by mail due the risk my SSN lands in wrong hands.

They said could not do anything ... but I had my credit score hit and the account reported but I can not use the card. 
I called a second time and explained the reasons I have other Citi card and others from Other banks and never had to mail anything and worst is the form says I would aurhorize a third party to access my data and does the verification. 
As far as I know this should be before they send me the card and report the as open account in all bureaus. 
I refuse to send an information they already have and get the risk my data exposed.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have called Navient, the servicer for my loans, several times requesting a 30 day payoff statement so I can refinance my loans with another lender. They will not send it to me, but send me emails saying thanks for inquiring about your loan we have different payment options for you. They are deliberately holding back on sending me this statement so I can not close my account with them. Of note, my loans with them are and always have been current and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with The Regional Adjustment Bureau, Incorporated (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: We contacted our current lender ( Nationstar Mortgage ) about refinancing our home to a lower interest rate and was denied several times. Our current interest rate is 5.5/8. We have been with them for over 8 years ; never been late or missed a payment. Our credit scores are in the XXXX. We was asking for a 15 or 20 year loan. They sent us 40 year 4.5 interest rate which we turn down.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX agrees there should be no balance on my account. I have contacted them three times as of today to have this removed with Credit Control Corporation ( XXXX XXXX VA ) collections agency. They " elevated '' this matter with a XXXX request #. I had earlier disputed this matter with Credit Control Corporation who is reporting this as seriously delinquent and said it is correct collections account on their response to the credit agencies. I called and spoke with XXXX at Credit Control Corporation today who refused to take my information -- thus, they will still reporting my account as " seriously '' delinquent - when in reality according to XXXX at XXXX this should have been removed some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.

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 07/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with WLCC (SC).
Issue: Struggling to pay your loan

Complaint: I received loans with these companies. I was unable to make the huge payments so I went with a debt solutions company to help consolidate the payments and lower the percentage rates. XXXX XXXX XXXX was able to get my payment to {$550.00} twice a month. Im am still really struggling to make this payment. I can not continue this payment as it is too much of a strain. I do not want to default on my obligations but the costs associated with the loans are exorbitant. Any help would be greatly appreciated as I do not wish to file bankruptcy. I am also wondering about the legitimacy of these companies to charge these high APR 's ( Arrowhead is 601.15 %, XXXX 228.37 %, XXXX ( 228.37 %, XXXX 176.03 %, XXXX 139 %, XXXX 134 % ). I reside in SC and am not sure of regulations on these companies. Thank you, XXXX XXXX

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