milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (PA).
Issue: Taking out the loan or lease

Complaint: I contacted Lincoln Automotive Financial Services for a lease payoff on XXXX occasions. I was quoted a dollar amount. When the dealer called to confirm the payoff amount for my early lease termination, he was instructed to call the dealership I leased the vehicle from ( XXXX XXXX XXXX in XXXX ). The payoff amount quoted was {$1000.00} higher. I contacted the dealership and was told this was due to the early termination fee the dealership charges for terminating the lease early. I was not returning the vehicle to the dealership, it was being purchased by a new dealership. He could not substantiate what this fee included and when I complained, he agreed to lower the amount to {$500.00} ( which he stated was the early termination fee charged for customers who leased another Lincoln ). I reviewed my lease agreement and it does not state an early termination fee. There is only a warning that a substantial early termination charge may be incurred. I terminated the lease XXXX payments early. The individuals I spoke with at Lincoln Automotive Financial Services never informed me of this fee or the requirement to contact the dealer for the exact payoff. I believe this early termination fee is excessive and should be clearly stated on the Lease Agreement in order to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: O n or around   XXXX  2016 ,  a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The item  (   XXXX   XXXX  - a microcomputer ) was received at my home address  (  redacted ). It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ).  I was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of  2016 , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >  {$300.00} by the end of  2016  )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

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 06-02-2016 about Debt collection (Auto) with Global Credit & Collection Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Global Credit & Collection Corp has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged in a chapter XXXX bankruptcy, however the collection company does not own the debt, and they continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian continues to report delinquent payment history for an account settled with   XXXX   XXXX   despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled in  XXXX  2016 with payments made through and including   XXXX    2016. I disputed ( see attached ) this with all  XXXX  of the major credit reporting agencies as well as   XXXX   XXXX   on   XXXX   XXXX    and  XXXX  and  XXXX  corrected the error, but Experian did not.

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 02/19/2016 about Debt collection (Non-federal student loan) with CL HOLDINGS LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX, XXXX around XXXX I was contacted by a XXXX party who stated XXXX contacted them in regards to a debt I owe and disclosed all of my personal information including my mailing address without verifying who they were speaking to. I was told the call was recorded and the XXXX party spoke with a member of management and complained as well about the agent who disclosed all of my personal information to 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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: Dear XXXX XXXX, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted over 3 disputes/letters to XXXX, Experian, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of stateXX/XX/XXXX which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations.

The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 01/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, I received a cold call from a XXXX based travel company. They pressure sold me a vacation package. The call lasted at least an hour. I asked them to provide me with written terms of the offer that I would consider and consistently told them I would not consider anything without written terms. They relented and wore me down. Eventually, I got into the mindset that I could give verbal authorization to charge my American Express card and then cancel once I saw the written terms. 
The next day I contacted the company to cancel & they said that I could n't until I signed forms authorizing them to charge my credit card. I contacted American Express to dispute the charge. 
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me, with a link to view this information, which took me to their website, which I had to log onto, which did not have a " message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their " message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day, I have no idea whether American Express saw this or considered it in my disputes. 
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor, they put me on hold, then said one would call me back. This happened several times without me ever receiving a call back from a supervisor. 
In the end, it was like doing business with a computer, with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone, in order to " activate '' the vacation package I " purchased '' that day, American Express apparently can not do anything for me. They have no will to help their customers who are victims of pressure sales.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (TN).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TRANSWORLD SYSTEMS INC placed a collection on my credit report. They did not contact me, and this debt does not belong to me. I 've never done business with or heard of this company.

Company response to consumer: Closed with explanation