milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Vehicle loan or lease (Loan) with Amerifinance, Inc. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I called CAPITAL ONE/SAKS XXXX many times since XXXX on XXXX account # XXXX opened on XXXX Today XXXX ID # XXXX claims that she & manager insist I call the Social Security office as it their fault for the ill acts of CAPITAL ONE SAKS/ EQUIFAX XXXX XXXX IDE # XXXX stated several times that she does think the social security office is at fault for issuing social securities if they did not issue social securities credit bureaus would never make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with National Enterprise Systems, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I opened a Citibank credit card account and opted out of all Citibank phone calls, checks, pre-screened offers of credit, affiliate marketing, etc. etc. on XXXX XXXX, XXXX. I thought that the opt-out preferences were permanent until changed by the customer, or at least were good for 5 years. But Citibank began sending me checks in XXXX XXXX, not even 5 years after I had opted out. I called them immediately and them told them I have opted out but they are still sending me checks one month later. Is this a violation of the opt-out consumer protection program? Why is it SO difficult for a consumer to stop what could be described as harassment or predatory business 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
Consumer complaint received 08/19/2017 about Debt collection (Mortgage debt) with Greentree & Associates (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.

Company response to consumer: Untimely response
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX in WA falsely claims that I moved into an apartment in XXXX, WA with new carpeting and new flooring which is a lie. They claimed I destroyed the apartment 's interior and the carpeting and flooring in the kitchen and bathroom had to be replaced. This is also a lie. After thoroughly cleaning the unit XXXX cleaner than when I moved in ), I contacted my landlady at XXXX XXXX to get my {$1800.00} deposit back. After a few months, I started getting calls from a collection agency. I learned that my landlady had left XXXX XXXX XXXX. I never signed an initial lease agreement - and wonder if my signature was forged ... Anyways, I should get my entire deposit back just because of this. Also, I was n't informed that I would not be getting my deposit back. I provided notice of leaving the unit on XXXX XXXX, XXXX and my lease ended XXXX XXXX, XXXX. XXXX XXXX XXXX put this into collections on XXXX XXXX, XXXX! I learned that XXXX XXXX XXXX refurbished my apartment ... using my deposit money and putting the rest into collections. I then learned XXXX XXXX XXXX has done this to MANY people. I ca n't find a lawyer to help me because the total ( deposit + collections ) only comes to about {$2500.00}. Small claims court will not take my case over the phone, the Attorney General 's office does n't get involved in anything rental related. I refuse to pay for this ... and, in fact, I 'd like my deposit back. I literally heard of filing with the FTC through WA 's FBI. As mentioned, they 've pulled this scam with lots of people. There are many complaints filed with the Better Business Bureau. TenantsUnion.org is well aware of this problem in WA. I tried working this out through XXXX of XXXX mediation but, XXXX XXXX XXXX blew us all off ... twice. I 've been trying to resolve this matter for almost a year. I ca n't believe this scam is on-going and no one seems to be able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NE).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have written three separate letters disputing all the items on my Experian Report. Erroneous items however still remain. I was also insulted over the phone by a representative on XX/XX/XXXX by laughing I assume at my score but I was assured it was my accent regardless I do n't call in to be mocked over others errors. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following inquiry needs to be removed immediately as it was never authorized : Creditor Name : XXXX [ XX/XX/XXXX ] I would like to be provided proof as per FCRA Sec. 605, 609, and 623. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get capital bank usa na they are threatening me with taking property from that I do n't have they call me 2 months ago and I told them I will not be able to pay them back and they still threatened me

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The school I attended went out of business and I 'm receiving countless harassing phone calls on repaying this loan for a school that is no longer in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with Accelerated Financial Solutions, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX money was stolen from my bank account through an unauthorized on-line money transfer not made by me or my wife ( the only account holders ).
The theft was timely ( within 30 minutes ) reported to the Bank, and the Bank 's representatives stated the account would be locked pending a fraud investigation.
After this call, additional monies were stolen out of the account - it had not been locked as reported by the Bank. 

This additional theft was again ( still on XX/XX/XXXX ) timely reported to the Bank. 

Since then, on multiple occasions, I was told the stolen monies would be placed back into my account within 3 business days. 

Today, I received notice that the Bank was rejecting the claim of fraud reported on "XX/XX/XXXX ''. 

Given these circumstances, it is clear the Bank did not conduct a legitimate investigation and is disregarding the true facts of the theft.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Nationwide Recovery Services has attempted to collect a debt I do n't owe them. I never establish a contract with this company and they reported negative items onto my credit reports for XXXX accounts # XXXX # XXXX # XXXX which is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Installment loan) with CFS of Aurora IL LLC (IL).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX suit was filled on my account acted that same day a payment was made to bring my account current after I received service and nervous conversations with a male by the name of XXXX in their office an agreement was reached that as long as the payment was due for that month was made prior to the court date, a portion of the debt paid by XX/XX/XXXX and the balance the fallowing week that case would be dismissed as a dismissal with leave to reinstate would be entered. A payment for regular monthly payment was made on XX/XX/XXXX I specifically asked if I had to go in to sign the order for dismissal he stated no. No need to the case would be dismissed weather I 'm there or not base on terms of the agreement. Court was on XX/XX/XXXX today as I checked court records it shows a judgement by default was entered against me which is no where near what the terms of the agreement was on XX/XX/XXXX if their calls are not recorded I do have the voicemail left on my phone stating that agreement and my phone call to confirm as well. Prior to this agreement..I was advices nothing could be negotiated that I would have to go to court prior to this agreement was reached because the attorneys were not their attorneys when I advices I would go to court then he advised the attorneys are their own attorneys and they are their attorneys..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.

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