milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Title loan) with American Credit Acceptance, LLC (WA).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Installment loan) with Western-Shamrock Corporation (OK).
Issue: Problems when you are unable to pay

Complaint: I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I opened an " XXXX Checking Account '' with 5/3 Bank on XXXX XXXX and the bank ordered checks for me and charged me {$23.00} for them without my consent. I reached out to their customer service line on several occasions and even got escalated to a supervisor once, only to be told I would have to return the checks in person to receive a refund. This seems contradictory to FTC regulations on " unordered merchandise '' which I pointed out to the banking representative. https : //www.consumer.ftc.govXXXX I do n't think it 's fair for me to have to go out of my way to return merchandise I neither ordered nor wanted. I reviewed the terms of the checking account I signed up for and confirmed there was nothing in there noting that checks would be ordered and paid for on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Response to your 3rd Party Collector Letter of Threat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. 
If they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. 
Thank you for your timeHonorably, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The  Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in  XXXX  and I asked Navy Federal Credit Union to send the statement to my new addr ess in  XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response  XXXX / XXXX /   2017  : Thank you for your messag e. Navy Federal protects the confidentiality of  your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process   transactions, to offer products or services approved by  Navy Federal, or to  comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal  is fully committed to the privacy of your personal financial information.     Your Message  XXXX / XXXX /   2017  : I am join owner of a  CLOSED Navy Federal  Credit Card  XXXX   XXXX   XXXX   XXXX  and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for  XXXX   XXXX  at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving  his BAD m ail.      Navy Federal Credit shared my a ddress with  XXXX  of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (NJ).
Issue: Taking out the loan or lease

Complaint: The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with NCC Business Services, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I don't understand how your company can list a fraudulent collection for services never rendered, due to substandard health conditions and a breach of contract. 
XXXX XXXX management did not have the apartment ready upon arrival. The kitchen cabinets were still on the ground in the kitchen, and the entire unit reeked of 2nd hand smoke that caused allergic reactions in my XXXX year old son, and within a few minutes latter my wife developed breathing problems. 
XXXX XXXX 's management employee would not accept the keys as it was XXXX minutes past XXXX XXXX. So I returned the next day to return the keys, after locking up the unit and not spending one day or night in the health hazard apartment. 
We drove away to my wife 's relative house to spend the night and on the 2nd day found a suitable apartment at XXXX 's XXXX in XXXX, XXXX XXXX. Call them yourselves and inquire about my payment history as you already see in my history record. Ask yourselves, why is the only collection action on my report from XXXX XXXX after 3 years? It's because they breach their agreement about having the apartment ready and it being a non-smoking unit. They failed to comply. Why are they supporting their collection actions by retaining it on my credit report. 

The collection agency is Florida based, and neither Virginia based nor is the apartment complex located in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record ( judgement ) that I paid and had released and vacted for naught. I provide the XXXX major credit reporting agencies a signed document from a XXXX county judge that this judgement was null and vacted for naught. which means it does n't exist. XXXX and XXXX deleted the above referenced public record from my credit report. Equifax on the other hand continued to report but changed the status to satisfied which is incorrect since this judgement is vacated and further ordered that the judgement be dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease

Complaint: We took out loan # XXXXwith Wells Fargo for a boiler XXXX/XXXX/XXXX and financed $ XXXXXXXX9.0 % ( paying $ XXXX ). Then we did loan # XXXX for air conditioner XXXX/XXXX/XXXX financing {$4000.00} at XXXX equal payments at 0 % ( paying $ XXXX ). These work out correctly as per loans. ( paying {$150.00} ) I am assuming as their bills do not specify how money has been applied. Then in XXXX XXXX we financed a hot water tank for {$2300.00} @ 0 % for 18 mths. Our next payment from them was {$230.00}. The payment should of been {$280.00} to cover the difference. We wanted to make sure that this was paid off in the 18 mths to avoid them billing us for all of the interest if loan was not paid off in time. I called and talked to a woman ( did not get name ) and after a long discussion about amount I finally got her to say that she would correct the problem and pay the {$280.00} and correct amount would be applied to each loan. The following month the bill came and it was again {$230.00}. So I called and talked to a XXXX on XXXX/XXXX/XXXX. She stated that I could pay {$280.00}, but the extra amount would be applied to the first loan and when that was paid they would apply money to next loan. Told her that that was not right and the other XXXX loans have been accurate ( as far as I know ) and we did not want to end up paying the interest on loan # XXXX. Said I was going to contact consumer protection and report them and XXXX put me right through to an executive ( XXXX XXXX XXXX XXXX XXXX. I explained everything to him and he said what can we do to resolve this. I replied to apply all the extra money I was paying to the third loan as it should be so we do n't have to pay the full interest rate if not paid in full by the XXXX mths. He then gave me the name of a resolution dept. person, XXXX XXXX XXXX XXXX ext XXXX ). Said she would be contacting us within 10 days and gave us a case # XXXX. Said we could contact her even earlier. We have tried calling and leaving messages several times and have not gotten any response. So called the consumer protection agency today and was told to file this.

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 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my XXXX credit cards with XXXX and XXXX. 
In case of XXXX credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by XXXX and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to XXXX. 
In case of XXXX credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. 
In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much XXXX to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.

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 11/15/2017 about Debt collection (I do not know) with MRS BPO, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here

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 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We paid Capital One {$14000.00} and {$500.00} on XXXX XXXX, XXXX. The payments were posted and removed from our XXXX XXXX account on the XXXX, the next day. We also received an email from Capital One stating that the payment was posted. However, Capital One will not authorize us to use the credit available from these payments for an additional week. 

I called Capital One today, XXXX XXXX, and they told me that state law permitted them to not release the available credit for up to a week to ensure funds received ; however, they acknowledged that they already received the funds. This does n't seem right, and I ca n't find anything in my credit agreement that would permit them to do this. 

To be clear, they took the payment money from my account already and acknowledged that they received it. So why not release my available credit as promised on my cardholder agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Special Financing Company, LLC (GA).
Issue: Problem with additional add-on products or services

Complaint: I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop 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 09/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Progressive Financial Services legal department mail a letter to my home claiming that I have a debt remove from XXXX credit report and that I made false letter from their company to get the debt remove. 

The company that filed the debt with Progressive Financial Services was XXXX XXXX. I contacted XXXX XXXX this summer to let them know the debt did not belong to me and it needed to be remove from my XXXX report. I am also a current customer of XXXX XXXX. I am reporting this company to the CFPB and for your agency to investigate Progressive Financial Services collections practices.

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