milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Consumer Loan (Vehicle loan) with CJA Auto Sales, Inc. (AZ).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please be advised that all Responses can or will be use in a Federal Court. 
1. Dispute all unauthorized accounts. 
2. Asked TransUnion for all the documents they use to determine that all accounts were verified the still refuse. 
3. If they are going to Discredited my name I need physical verification with my wet ink pen Signature. 
4. This is my last are I will be seeking ligation.

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 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit file.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Iam a victim of transunions inquiry issue i have 92 hard inquiries on my report the only items that are mine are for XXXX XXXX  and XXXX XXXX XXXX XXXX which is who i have my vehicle with

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 12/17/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Consumer Loan (Vehicle lease) with Ditech Financial LLC (TX).
Issue: Managing the loan or lease

Complaint: I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Has been paid off.. Has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We received a notice in the mail regarding foreclosure to our home. We have Nationstar the worst mortgage company I 've ever dealt with. We would have been current on our payment, however they sent back {$3000.00} in payments since XXXX. No letter, no notice until we received something from their attorney. We had paid {$1500.00} in XXXX and with these last few payments we would have been current. However, more legal fees added and " property inspections '' they expect us to pay {$6300.00} for a " reinstatement fee ''. We could use your help please. We were not trying to default and they have put us in this position. Our home is well taken care of and we want to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Filed a dispute with the XXXX credit agencies ( Transunion, XXXX and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter 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 07-08-2017 about Debt collection (Medical debt) with Capital Recovery Systems, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I do not remember the exact date. I know it was the XXXX or XXXX week in XXXX. A representative by the name of XXXX XXXX called and left me a message to call Capital Recovery Systems. I returned the call & XXXX XXXX got on the phone to say '' I am calling about the debt you owe for the amount of {$230.00} with XXXX XXXX XXXX, Periodontics. I said " Sir right now I do not have a job '' XXXX XXXX said this debt has been owed for a few years. I said " no one has contacted me about this debt '' XXXX XXXX said 'Yes, just like you lied about having a bank account '' I said " what are you talking about? '' I never spoke to ever before. '' XXXX XXXX was very rude and hung up on me. Even if I wanted to fix this debt I am afraid to call this collection agency. I felt violated. I have rights, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Th e Credit Agency incorrectly  shows a number of late mortgage charge against our account, in  all about one year of errors in reporting. There were Zero la te charges against our  XXXX  account in  2016.    This is unfair, we attac h two pages, a  XXXX  statement called the " customer account activity statement '' and there are zero lat e charges on this  XXXX   XXXX   XXXX   XXXX     Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from    getting a mortgage.     Their delay has cost us a serious increase in price of a house purchase.   Also, an increased payment for 30 years, as interest rates have increased ..   A loss of home enjoyment, because at  XXXX , this lost time is invaluable.     House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help XXXX, 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 monetary relief
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: USAA has charged a significant amount of over drafts and returned item fees without providing any clear disclosure of how and why they are charged. 

USAA cut off access to USAA.com via a computer which is the only way to access accounts unless you use a mobile phone or go to a branch. There are no USAA branches in my area. 

I feel that this is unfair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Awa collection is stated that i own them XXXX from XXXX XXXX XXXX. This is impossible because I was in prison from XXXX XXXX XXXX to XXXX XXXX XXXX. So I would like to file a complaint of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute letter to Transunion Credit Bureau in XX/XX/XXXX to dispute erroneous accounts on my credit report. The dispute letter via certified mail, it was delivered on XX/XX/2016 ( verified via XXXX ). I have not received any correspondence or dispute results. According to FRCA its my right to a timely investigation ( XXXX ) and Transunion is in violated my rights. At this point Transunion should be obligated to follow the law and delete those erroneous accounts listed on the dispute letter. Please assist me in handling this issue.

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