milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX  yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX  XXXX, DE 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 09/14/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month  past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient Loan number : XXXX My son has a loan with Navient formerly XXXX XXXX. He took this loan out back in XX/XX/XXXX for {$8000.00}. This loan has been the vain of our existence!!! After school, my son made arrangements to have monies taking from his checking account, agreeing on one specific amount. later he tells me they up the payments, which he could not afford. My mother co-signed for the loan so now the Navient is writing my mother for payment. 

Present day. 

I contacted Navient 's collection department and made payment arrangements. they are taking {$170.00} from my checking account monthly. My mother and I are receiving threating mail and emails from Navient saying the loan is in default. Today, XX/XX/XXXX, I called Navient and asked why are they still hounding us for payment when I've already made arrangements and am making payments to this loan. XXXX informed me that since my son did not call to make the arrangements and have the payment taken from his account the loan will stay in default. I told her that that was a bunch of crap - you're still taking my money for payment. she replied yes. the loan will stay in default for 5 months ( meaning the loan is 5 months over overdue ) even though you're making payments. XXXX also informed me that whoever set up the payment arrangements should have told me that and that my son should have read the TERMS OF AGREEMENT. I told XXXX my son could not afford to make the monthly payment, that is why I, his mother, is making the payment. XXXX quickly ended our phone conversation saying there was nothing else she could do!!! 

We have been making payment on the {$8000.00} loan since XX/XX/XXXX and none of the payments have been applied to the principal of the loan. I am so sick of Navient!!! Something has to be done with this company! they are ripping people off!!! How do I go about getting a lawyer! I need help here! 

XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX Please contact me to discuss. I have ran out of options of dealing with these people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Closing/Cancelling account

Complaint: To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NV).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: On XXXX XXXX, 2017, I received a phone call from XXXX XXXX XXXX XXXX ( a PayPal debt collection company ) at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name 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 03-09-2016 about Debt collection (I do not know) with MRS BPO, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Citi Cards CBNA on XX/XX/2015, I advised Citi Cards that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On   XXXX   XXXX   we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the  other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On   XXXX   XXXX  , we made our scheduled payment  Ocwen in the  amount of {$1600.00}. On   XXXX   XXXX   we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with  Ocwen  and explained the situation. We were told that we would need to file a complaint to the  Research Departm ent. On   XXXX   XXXX  , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On   XXXX   XXXX   we received another call from  Ocwen and s aid we needed to make the   XXXX   XXXX   payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On   XXXX   XXXX  , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to  Ocwen in  late  XXXX  or early   XXXX   as  Ocwen had  stated. They said they would do a  3-w  ay  call with  Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late.  Ocwen wo uld not discuss anything with the bank  (   XXXX   XXXX  with  XXXX   ).  During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On   XXXX   XXXX   we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on   XXXX     to  Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on   XXXX   XXXX   was successfully processed but  the two most  recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of  Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It 's been past 7 years and they are saying that I owe an old apartment debt. It is false and past time to remove it from my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Billing disputes

Complaint: For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.

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 05-11-2017 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: Credit Bureau continues to list unverified information.     Despite my  three written requests, over the course of 3 months the unverified items listed below still remain on my credit report in violation of Federal Law.  In the results of Experian 's re-investigations, they stated in writing that they verified that these items are being reported correctly? However, they still have not identified who in their company verified the accuracy of these accounts or how they verified them along with the documents they used to verify them and continue to list them as accurate which is a violation of my rights and damaging my credit worthiness.     In addition, there are several inquires listed on my credit report as a result of someone fraudulently trying to obtain credit in my name. I do not have any business with these companies, have not applied for credit or have given them permission to be there and have advised Experian of this as well as their fraud department and no action has yet to be taken.

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 09/14/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, In XXXX XXXX 2017 I made my first payment to Wells Fargo for my student loan. I requested a due date change for my payment to be scheduled for the end of the month. The representative took my first payment and advised me that she would submit the due date change and that effective XX/XX/XXXX the due date change would occur. She gave me the next due date of XX/XX/XXXX. XX/XX/XXXX I started to receive calls and notice by mail that my payment was late and additional fees had been assessed. I called in and spoke to a representative whom advised me at that time that it can take up to 60 days for the request to process. She had a supervisor waive the late fee and said she would submit my request again. I had a payment scheduled for the end of XX/XX/XXXX and was advised to call back on XX/XX/XXXX to make sure the due date change was still going to occur. I called in on XX/XX/XXXX and spoke to a supervisor named XXXX whom advised me that the request was declined again but that he would submit the request again and that it would go through. Here we are mid XX/XX/XXXX and my due date has not been changed. I called in today XX/XX/XXXX and spoke to a supervisor named XXXX. She basically said I needed to make a double payment, refused to waive any late fees ( due to their improperly trained staff ) and said there was nothing she could do for me. I would like any late fees waived and for the due date to be changed as promised when I made my first payment in XX/XX/XXXX. My account is only in this status because I was given wrong information twice now.

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 05-05-2016 about Debt collection (I do not know) with ECMC Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx 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