milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I sold back my vehicle to XXXX in XXXX, it was purchased on XXXX XXXX. They gave me 46k for it but took off 1k due to minor rim damage, some scratches on rims. At the time of purchase in XXXX several warranties were also purchased including, rim/tire, theft, environment, etc. The dealer should have known about the rim/tire warranty as they sold it to me back in XXXX, this would have covered damage. Instead, they took off 1k off the selling price of 46k. 
The warranties were never canceled by the dealer, I was referred back to them by the issuing companies for cancellation. Please note, this is not the XXXX negative experience with XXXX XXXX XXXX. In XXXX I was advised by my sales rep, XXXX XXXX, I was approved for 25k by the bank. When I went in two days later on Monday, their business manager called and told me I was not approved after I left my car there to trade in. They pulled this stunt in order to get my car in, which they were very interested in with low miles, so they could buy it. My sales rep had sent me home thinking I had a bank approval. 
I spoke with a XXXX in their corporate office yesterday, XXXX, she stated if a claim had been submitted with warranty that would have lowered the refund amount when canceled. The cost of warranty is XXXX, there is no way they would take 1k off that for damage, maybe pro-rate it if anything. Either their math is off or they are just lying, more than likely lying so they do not have to pay me back 1k. 
Please advise them I will need a check for 1k to cover the difference from what I should have gotten, the rim/tire coverage should have covered the damage. Their address is XXXX XXXX # XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with New Era Asset Management, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am being contacted by New Era Asset Management about a debt. They have been calling for weeks while I am at work yet I have not received a written notice of the debt or the option to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Trouble during payment process

Complaint: This is the third time I 've written to you about this problem with Nationstar. They continue to charge me for homeowner 's insurance and attach the charge to my mortgage, even though i do n't want that insurance policy and made sure it was cancelled by XXXX XXXX. when i write to them, they say they have to do further research and i never hear from them. they will not allow me to make payments for less than what their website shows, so i am falling behind because i will not pay what i should n't be charged for. loan # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have been a victim of Identity theft since XX/XX/XXXX. Some one by the name of XXXX XXXX open an account in my name XX/XX/XXXX. The fraudulent account has been reported to XXXX which makes it impossible for me to open another bank account anywhere, and I am the victim. I find chase bank to unfair and not acting favorable in my situation that is causing me much difficulties. I 'm asking chase bank to remove the fraudulent account from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (WY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with DriveTime (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.

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 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was forced into forebearance, rather than being given repayment options right away. I was left in the dark to increase interest. I have not worked in 2 years, and the company knows this, but still accrues interest, when I can not pay it back. Where is the assistance I was allegedly promised when I undertook this student loan scam? I've been harassed, treated poorly, and avoided to increase my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Billing disputes

Complaint: Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with Bryant Bryant & Associates LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Approximately XXXX XXXX, I went into Bank of America, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their " taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
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 06-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is reporting a SSN which is not my true and valid SSN. I have sent them copies of my ID and stated that any other SSN or identifying information is not mine and should be completely removed. Because of the wrong SSN number on my report I can not access my reports and identity verification systems can never work for me. This is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On   XXXX   XXXX   XXXX     I sent a certified letter to Experian regarding unverified negative items being reported on my credit report. I specified that I was requesting Experian to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Experian 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Experian regarding these negative items and have yet to get this resolved. Experian has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX  Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or any  XXXX  parties. I decided to call Experian back, spoke with another rep this time and they advised me that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Experian uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Experian refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Home equity loan or line of credit) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Credit decision / Underwriting

Complaint: Not Approved for a home equity loan due to bankruptcy score verbally by First Citizens Bank. Please provide validation that this bank performs score performance on a regular basis to ensure its accuracy and predictability. I was recently approved by this same bank for a Equity Line using the bankruptcy score. 
I provided First Citizens with recent payoff of a {$280000.00} loan from XXXX. They can not determine its negative impact on bankruptcy score. XXXX contacted First Citizens Directly to inform of the reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I had an issue with Coinbase about XXXX, 2017. I received an email from them and when I opened it in my internet browser the login and password fields were populated with my login and password. I thought the problem was theirs so I called and put in a support claim. They immediately deactivated my account for security reasons. I subsequently realized that it was my internet browser that populated those fields in their email. I contacted them, explained the problem and how I felt it happened and was fairly sure the problem was on my end. I readjusted my browser settings immediately. It has now been more than six weeks and they still have not reactivated my account. After several calls and emails I still receive no indication they are addressing the problem. I ca n't log into my account. I do n't even know what the balance is. Their customer support hotline would not even connect you with someone to talk to. It just told you to try again later and then disconnected you. I would appreciate your hellp.

Company response to consumer: Closed with explanation