milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: In XX/XX/XXXX I received a recall letter from the XXXX manufacturer for my ( XXXX car ) this vehicle was financed through XXXX XXXX XXXX and I purchased from XXXX XXXX auto dealer ( XXXX, Ohio ) in XX/XX/XXXX. I called the number on the recall and was instructed to contact the local XXXX XXXX in my area which is XXXX XXXX XXXX. I did and was instructed to bring my vehicle in for remedy- and at that time would take about 2 weeks and the dealer would provide a loaner vehicle at the manufacturers cost. I took my vehicle in XX/XX/XXXX- it has been 1 year and they still have my vehicle- I have not seen my vehicle and I have made a whole year worth of payments without the vehicle I financed through XXXX XXXX. I have been in loaner vehicles every since. I found out there is a class action lawsuit pertaining to the recall with XXXX. I have made countless calls to my lender who does not care, and it is unacceptable. I made several complaints with the XXXX, FTC, NHTSA, and The Ohio Attorney Generals Office. I stopped my car payments as of XX/XX/XXXX and I notified my lender as to why. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (I do not know) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX. 

GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call. 

After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it. 

They did not research or look for the payment, but continued to harass and demand payment. 

Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it. 

Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold. 

When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN. 

I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve. 

I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence. 

I can not be the only consumer this is happening to. 

To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Consumer Loan (Installment loan) with Capital Accounts, LLC (TX).
Issue: Managing the loan or lease

Complaint: I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

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 01-02-2018 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: Public record information inaccurate

Complaint: Hello, Transunion still reporting Released Tax lien, I 've sent 3 notarized certified letter and they are still report after XX/XX/XXXX Released date XX/XX/XXXX Reference number XXXX Name : 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 explanation
Consumer complaint received 04/25/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: i have XXXX total loans from sallie mae. I made my 2 first months payments and i realized it way to high for me to afford. i made countless attempts over the phone to get them to help me make reasonable payments. they are very hard to speak to, never get the job done. i payed to be in forbearance so i can save up to be able to pay off the monthly loan payments which equal out close to a {$1000.00} a month. i barely make XXXX a year. they made me pay {$50.00} per loan to enroll me into forbearance. Then a few days after they started calling me for payments and they said sorry we made an error. They re read the terms and made me accept and them said they will mail me a typed letter telling me I am in forbearance from XX/XX/XXXX-XX/XX/XXXX and my payments will resume in XX/XX/XXXX. then letter stated otherwise saying the forbearance term is from XX/XX/XXXX-XX/XX/XXXX. I called them to correct it because i made my XX/XX/XXXX payment and agreed to a XX/XX/XXXX-XX/XX/XXXX in forbearance. They said do n't worry we got you covered. a few days after they called and said we cant enroll you in forbearance in all XXXX loans. The rep had made a mistake. So basically, they are n't making any efforts to resolve this issue and help me make my affordable monthly payments. please help me. im a student with $ XXXX in loans and i want to do my part in paying but i ca n't afford what they want from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2016 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account for XXXX XXXX I received from XXXX XXXX XXXX was placed at AAGON Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in AARGON Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with XXXX CFR Parts XXXX, XXXX, and XXXX Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California XXXX. XXXX and XXXX. XXXX. I have made the request and AARGON refuses to provide this information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I wanted to purchase an automobile on credit and the lending agency stated that my credit report stated that I was deceased and they could not proceed further until I got it straightened out. I contacted the credit agency they referred me to and got my credit report and nothing on it stated I had died but it did show my current credit card balances and and latest credit activity. So I called the credit agency and they stated that a credit card was cancelled in 1997 due to the card holder being deceased and that was the reason they reported me deceased even though they could see that I had current activity. I lodged a complaint to get it resolved and they stated it would take 30 days. I was not happy with the delay because it basically keeps me from getting any credit for 30 days until this is resolved. The credit agency was completely insensitive to my problem and still stated it would be resolved within 30 days. They did gave me the credit card issuer phone number and the credit card number that allegedly was reported cancelled due to card holder being decreased. I called the credit card issuer and they stated the credit card number provided by the credit agency was incomplete and they could not help me. But they did state the the numbers provided was an very old credit card. In my opinion this reporting error is due to complete incompetence on the part of the credit agency when their own current records clearly show that I am not decrease as reported by the credit card company. It is clearly their reporting error and their mistake that is basically keeping me from getting any kind of credit until this is resolved. Something needs to be done to keep this from happening to other people including credit agencies need to be required to immediately to review their own records to determine if the alleged death is remotely true based on current activity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.  XXXX  5.   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9. Chase Bank To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Consumer Collection Management. Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My medical bill was paid in full in XXXX 2015. The doctors office did not report it as paid and it is still being reported on my credit. I am fed up and want some sort of legal recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX XXXX XXXX XXXX XXXX before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of US Constitution Article 1 Section 8 by regulation amounts of money by entities that are not Congress. Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of US Code 18 section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at NCGS 122C and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.

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 12/24/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. 
please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. 
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 08/17/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Problems when you are unable to pay

Complaint: I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.

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 03-02-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (UT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online. 
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX. 

On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX. 

But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX! 
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around. 

I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours. 
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle. 
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it. 
I called on XX/XX/XXXX when I went online and found no changes to my account again. 
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing. 
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated. 
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.

Company response to consumer: Closed with explanation