milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Lease) with RLB Texas Auto Center LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.

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 10-11-2016 about Debt collection (Mortgage) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.

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 03-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX Synchrony Bank ( XXXX XXXX ) lowered our credit limit to the balance on our card. When I called them on XX/XX/XXXX to find out why this happened because my XXXX credit reporting sent me a notification that my credit limit had been lowered which in turn made my credit score go  down. 

When I called Synchrony Bank they said they check my credit and determined my credit rating by looking at my balance on my other cards. I did not give them the right to check my credit and I have paid this card off completely one time since opening in XX/XX/XXXX. I also pay more than the monthly payment. I feel I am being discriminating against and I did not authorize them to check my credit. I am requesting they be fined and they are required to pay the balance on the card {$1800.00}. 

We recently purchased a house and had to purchase items for our house. Please let me know what you find out. 
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
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with The Bureaus, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016 : Applied to refinance my house with USAA, locked in my rate 3.5 %. 
XXXX/XXXX/16 : Received my application packet with all of the documents needed in the mail, including my intent to proceed. Expiration date of application packet was XXXX XXXX, 2016. 
XXXX/XXXX/16 : I uploaded all of my packet including my XXXX, income statements, intent to proceed, everything. I used USAA, so they have a digital portal to which I uploaded and indicated that I was done. The prompt said " Thank you! If we need any additional documents we will contact you. Check back to see the status of your mortgage application. '' XXXX/XXXX/16 : I get an email from loan originator XXXX XXXX XXXX # XXXX saying " I see your loan estimate has been delivered, please respond to this email with yes it is my intent to proceed '' I replied and told him I uploaded everything and yes it was my intent to proceed and asked him to please let me know if he needed me to submit the packet in any other format. NO RESPONSE. 

XXXX/XXXX/16 : I receive a denial letter in the mail stating my application was incomplete. I call and spoke with another originator XXXX XXXX who says " Oh yeah, I do see here you submitted everything on XX/XX/XXXX ... sorry about that. I 'll be happy to start another application for you, mortgage rates have gone up though. '' The increase in mortgage rate will cost me approximately {$7300.00} ( this does n't include the {$6000.00} in closing costs ). And they will have to run another credit inquiry. I was told by the manager " the individual has been reprimanded for his errors. '' However, I am the one who is paying the price for his errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 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: Information belongs to someone else

Complaint: I previously filed a complaint on XXXX against Experian for fraudulent accounts that were not mine. I requested for fraudulent accounts to be blocked from my credit. They responded on XXXX/XXXX/XXXX stating that accounts and inquiries have been blocked as requested. I received an updated report showing they were deleted but then the next day XXXX/XXXX/XXXX when I checked my reports creditchecktotal.com the fraudulent accounts were readded without notice. I called Experian XXXX and was told they had proof the accounts were valid. I requested proof and still to this day have n't received anything showing that the fraudulent accounts and inquiries belong to me. I would like to file a claim for damages as a result of the pain and suffering that I have been under due to my personal credit report having fraudulent information being reported. I have attached my police report, request to block and the proof of accounts and inquries deleted to soon be readded without proper notification and proof of claim. The Fair Credit Reporting Act requires that the credit bureau inform you BEFORE they re-report a previously deleted listing.

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 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.

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 07/25/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/2017 I received my monthly statement from Navient student loan servicing. A late charge was noted for {$.00} and noted as an unpaid amount for {$.00}. I knew this was incorrect because I pay more than the amount due each month and also never have been late on a student loan bill before. My student loan debt is taken very serious as a Nebraska bar applicant and XXXX XXXX holder. My account number is XXXX I called the number for customer service and spoke to a woman who called herself XXXX, her ID # is XXXX at around XXXX XXXX/XXXX/2017 where I was told the call was monitored for compliance, she told me after telling me I could not speak to a manager because call volume was too heavy. When I insisted on a manager she put me on hold and made me wait then asked if I still wanted a manager and then she was advised in how she was instructed to respond to my query. She told me this was a fee from a previous servicer that appeared on my bill that it could be corrected because it should not have been charged as I am on the income based repayment and have been with them at Navient who has been servicing this loan for over 2 years on the same plan. I asked her if this is not considered illegal collection practice and did she know this is a UDAAP. She said, " yes it is. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: i had submit all the doc the bank ask by fax and also by certified mail so when i call today to check onthe status of my loan modification i was told they did n't received in time and something was missing so ask many times what was missing they dindt know i have the name and badge of the person i ve talk to

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened an account on Friday, XXXX XXXX, 2016 after visiting Bank of America to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Bank of America. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.

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 monetary relief
Consumer complaint received 08-11-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Installment loan) with U.S. BANCORP (IN).
Issue: Problems when you are unable to pay

Complaint: to help clear this matter I am prepared to offer XXXX % of the total O/S balances. In exchange for re-inserting auto loan, credit card accounts and remove the consumer loan from all credit reporting. I AM SEEKING REFNDS FRON XXXX XXXX AND XXXX XXXX DIRECTLY. THOSE ARE FRAUDULENT IN NATURE AND ALSO HAVE Please send me agreements.

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 12/29/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Credit decision / Underwriting

Complaint: I was initially interested in getting a car loan, but the bank representative gave me a home equity credit line for a much higher amount than needed without fully explaining what it entailed. I made my regular payments on-time, but then received a bill for 3 times the amount of what I normally paid.

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 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CT).
Issue: Adding money

Complaint: I have a rushcard visa and it took two-three business days to get my direct deposit. I called the customer service and did not get any help. In the process, I was unable to pay my bills and other obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (NJ).
Issue: Making/receiving payments, sending money

Complaint: closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take the appropriate measures to ensure protection of my personal identification. Therefore, my personal information has been potentially breached requiring me to take initiative in at attempt to protect myself. This has cost me both financially, emotionally, and caused me to waste valuable time. I fully expect the situation to be rectified by ensuring protection of my personal information and financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MT).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.

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 monetary relief
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: Capital One 360 has locked my account for no reason and I ca n't access my funds. I 've called them to close my account and send me my funds. They have yet to do so. Whoever 's reading this, DO NOT do business with this company. They have the worst customer service I 've ever experienced with an online bank!

Company response to consumer: Closed with explanation