milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle lease) with YKS Acceptance, Inc. (IA).
Issue: Taking out the loan or lease

Complaint: We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Bank of America on XX/XX/XXXX was advised unauthorized per a dispute given by the " now '' Bank of America account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX. 
This was indeed an authorized payment due to I was a joint owner of the Bank of America account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Bank of America is not going to put in the extra legwork to ensure if this was indeed true or false. 

This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Bank of America did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made? 
- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Bank of America when the payments were made? 

I can answer this with ease - IT WAS MINE!!! Bank of America should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Bank of America this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Deposits and withdrawals

Complaint: I had a {$600.00} withdraw taken from my husbands checking account that I am joint on. He has worked hard and overtime for his money for months. They claim there is a checking and savings charged off from 2008. I have no clue what this is from. Plus over {$1000.00} is from fees and charges. What on earth kind of bank would let an account accumulated over {$1000.00} in fees and charges. This is downright nuts. They will not provide me any proof of this information and how on earth can a savings get a negative balance? I want immediate action to have this money put back in the account. My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much CFPB!

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 05/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have asked the Credit Bureau on numerous times for validation in accordance with Fair Credit Reporting Act. I have asked for a copy of the original contract bearing my signature. I have never received that. Also explained that i have not received any credit or services from these inquiries or have any of them extended any credit to me. So they should be removed as i do n't have any obligation to them or any lines of credit from these companies.

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 05-06-2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I called in on XXXX XXXX, 2017 prior to the payment being due to request for the minimum payment to be removed due to natural disaster hurricane XXXX in Florida. The specialist told me my zip code was not showing as an impacted area. I advised them it was declared on fema.gov website it was and was told to call back in two weeks. I was forced to make a payment that I needed for food and gas. I'm also wanting to see if I can get a temporary credit line increase for the natural disaster relief act.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with CNG HOLDINGS INC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Private student loan debt) with Radius Global Solutions LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a debt collection bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount fo {$2300.00}. Per the state for Florida Statute 95.11 in regards to private loan debt collection, the statute of limitations has expired for this debt s the original loan was taken out on XX/XX/XXXX. XXXX XXXX XXXX XXXX is attempting to restart the clock by intimidating and threatening me in their correspondence that they will be seeking judgement against this debt which again has past the statute of limitations for judgement collection.

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 05/13/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had went to XXXX XXXX XXXX XXXX XXXX XXXX in approximately XXXX. The hospital got my Medicare Card and my XXXX Card. On XXXX after moving to XXXX, XXXX, I received my VERY FIRST letter from the INFAMOUS debt collector Syndicated Office Systems. XXXX, XXXX XXXX XXXX. The letter said, I owed a mere {$65.00} for the co-pay. I got on the phone and IMMEDIATELY paid it. There is no dispute of that. The ENTIRE PROBLEM is I never knew I had a co-pay after being shot up with Dilaudid and leaving too high to walk. And, NO ONE said, " XXXX XXXX do you or anyone with you gon na pay your CO-PAY? '' I get my first notice a year and 4 months later AFTER it 's on my Credit. And for 3 years, I have XXXX " collection '' for {$65.00} that even the supervisor of Accounting XXXX said THEY SHOULD REMOVE but Syndicated Office Systems/Central Financial refuses to remove! This is CFPB 's own report on the XXXX name company 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 09-10-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.

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 01/21/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (TX).
Issue: Managing the loan or lease

Complaint: I take out a loan from XXXX XXXX in XXXX for {$2600.00}. At the time I was really desperate. Once the money was deposited to my account, XXXX XXXX immediately turn the loan over to a debt collection company name Cash Call. I 've been paying {$290.00} every month since XXXX XXXX. I call customer service a few days ago and was told that I 'll be paying this loan until XXXX XXXX. I know I 've paid this debt back already, over {$7000.00}. I would love some relief from this debt that 's hanging over my head. If I continue to pay until XXXX I 'll be paying over {$15000.00} for a {$2600.00} loan. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being billed for service I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote to Portfolio Recovery by certified mail on XXXX XXXX, 2016 requesting validation of the debt they claim I owe them. I have received no response from them and it 's past the allowable time limit for their response. Yet, they continue to report inaccurate information on my credit report. I have asked them to remove this listing from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/2017 my BOA checking account was charged a $ XXXX  monthly fee due to what I was told was having less than a {$1500.00} daily balance in my account. I had previously been told in person at my local branch that I had only needed to keep a monthly average of {$1500.00} in my account to avoid this $ XXXX monthly fee. Upon calling BOA this fee was explained to me to be a daily balance, not a monthly balance upon which I told them of the discrepancy of what I was told in person at my local branch and what I was being told at that time. I asked if the fee could be waived at that time due to the misunderstanding and the 12+ years of solid standing I had with BOA upon which I was told no by the first and second level call representatives.

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