milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Managing the loan or lease

Complaint: GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 'm concerned about the XXXX data breach, so I thought I should create an account with each of the credit monitoring companies. I started with XXXX. No problem. Transunion required a credit card number on step 2 to create an account. It said nothing about charges only that I accept by clicking continue. I assumed it was to access my credit information -- I mean, I was just creating an account. I finish and get a notification from my credit card that I have been charged XXXX!! I could n't believe it. I called immediately. They offered to cancel my subscription, they did. I made sure they refunded my credit card payment. They refused. I told them I just wanted to create an account and that no where on the application did it say ANYTHING about charging {$20.00}. I ca n't believe the deception from what should be a trusted source, especially give the recent data breach. I pleaded and they told me to call back tomorrow. I did n't accept. I asked to speak to a manager and she told me there were n't any managers. She cut me off and I begged for her not to hang up. The line went quiet but I could tell she did n't hang up, so I waited. At least 3 or 4 minutes later she came back on and told me she refunded my money. That has not happened.

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 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: They are calling me around XXXX p.m. in violation of applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). 
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. 
In XXXX, the XXXX XXXX was paid within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I first received a letter from XXXX XXXX which listed itself as a subsidiary of XXXX XXXX XXXXt. The letter was datedXX/XX/XXXX and I received it XXXX/XXXX/XXXX. The letter stated they just acquired a debt that I owed to the tune of {$6600.00} and demanded payment. OnXX/XX/XXXX they sent an overnight XXXX letter to me stating they had made numerous attempts to contact me- I had received one letter and have never spoken to anyone on the phone ) and threatening to sue me. I sent a certified mailed request for validation and disputing that I owed them any money ( which was signed for by them on XX/XX/XXXX ). I requested a contract with my signature showing that I owe them anything at all. I then received 2 letters from them - both were dated XX/XX/XXXXhowever I received them on 2 separate dates - First I received a letter welcoming me to MCM - Midland ( no longer listing XXXX XXXX ) and stating they got the debt onXX/XX/XXXX ( previously they had given me no date ). and telling me to call to make good on paying them. Then a day later I got another letter from MCM stating they received my dispute and stating their info is correct. They enclosed a copy of an old statement from months prior from when they claim to have gotten this debt. They enclosed no contract, nothing with my signature indicating that I have any obligation to them. I have again sent them a request for something with a signature and asking for details. I believe this violates my rights under the FDCPA and FDCRA - they did report that I was disputing it but then stated it is legit without anything showing I signed. They tried to intimidate me by sending me the overnight package threatening me with litigation without even allowing me time to dispute it and then tried to cover it up by transferring it within their own company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To Whom it may concern : From XX/XX/2017 through XXXX XXXX I was on Medical Leave through FMLA, I was receiving sick pay I had accumulated over the 25 years I had been teaching for a public school system. My doctor would not release me to return to my job as a teacher so, I had to resign. When you are on FMLA you CAN NOT APPLY or INTERVIEW for other jobs. I had to wait for legal documentation my resignation was accepted. I knew once my money ran out we would have to live on one income. I called each of my creditors and sent a note to each of them through my online account. Which I kept copies of. I was told by some they would wok with me. When I started my job I had to go through job training. I was NOT PAID. I did not start receiving income until XX/XX/XXXX for which I paid our house note and took care of basics. I told them once I could make payments again I would go on line and do so ( The third week of XX/XX/XXXX ). From XX/XX/XXXX to present I have received phone calls CONSTANTLY at home on my land line, personal cell phone and my work phone. I am still within my 90 days, and the new company is a fire at will employer. If I keep getting phone calls at work I won't have a job to pay any debt. I was told I needed to call weekly to update, by people who can not understand or speak English. If you add up the weekly calls per creditor, it's a work day, that is just a repeat of the same exact information repeated. It takes an hour per call. If I don't get paid until the end of XX/XX/XXXX, a weekly call in XX/XX/XXXX and XX/XX/XXXX isn't going to change me getting money to pay. I DID NOT chose to not pay my bills. I am not paying on purpose. I CAN'T! I followed what the State of Michigan told me to do and how to handle my debt. I offered copies of the FMLA papers, and my resignation acceptance to prove I am not lying. They did not want the information. I have also had some of the people want my FULL Social Security Number or Credit Card Number, and Birthdate. I hang up. Why do you ask for information you already have on a screen in front of you?

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 04/23/2018 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: Information belongs to someone else

Complaint: XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX account fraud this account does not belong to me.

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 04-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores

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 12/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: {$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Letter to Equifax : XXXX : XXXX XXXX Corporate Wrongdoer Maneuvers in Memory ' : Equifax Forces Potential Victims to Give Up Legal Rights https :  XXXX In light of the security breach of 143 million credit files which we not informed of by Equifax, but found out about through media outlets six weeks after the  fact, are you offering any free access to our files -- without our being forced into Arbitration agreements? 

No burden should be on the shoulders of the public, since this was wholly a fault of Equifax through a failure to protect our records. As a result, we should be informed, from you, as to whether or not we were victims -- not the other way around. Also, we should not have to be victimized ( possibly further ) through unscrupulous legalese setups. 

The onus should be completely yours. Moreover, it is only ethically straightforward that free ( current ) credit reports to all 143 million victims would be offered, without any strings or entanglements. 

Looking forward to your response,

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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 11/30/2015 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please refer to the following sets of previous case numbers:XXXXXXXXComplaints were originally filed against this creditor by me, the creditor has admitted they areunable to locat eme in their records however they will not remove the invalid items from my credit report. This is my third time sending a dispute to CFPB and teh last time I disputed, they did NOT respond within their allowed 30 day timeframe. THe creditor is the same for both items, but the XXXX items are independent of eachother and both negatively are impacting my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Payday loan debt) with J J Marshall & Associates, Inc (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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