milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2015 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Billing statement

Complaint: I opened a credit Card account with Continental finance a few months back to try and restore my credit rating. Since then they have been charging me {$4.00} for Credit Protection that I didnt want and clearly checked that box during the application process, made calls to remove and they still will not. This last Month I got a phone call from them wondering where my payment was. They asked me if I mailed it to there new address or old address. I told them i mailed it to the address that was on the payment stub ( i have no idea where this is ). She said it was okay but they went ahead and charged me a {$25.00} late fee. Why they would do this to there customers ( in researching this I am not the only on they have done this to ). They have so far refused to take this off my balance even though they sent out there payment invoices with there old address on the stubs. I just felt like you should know they are ripping off customers and do not help you when you call them. I just want to pay this debt off and close this account but they are making it impossible by tacking on late fees and credit protection charges againt there customers who are tring very hard to pay the debt on time and do the right thing. This should and must be Illegal. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Managing the loan or lease

Complaint: I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (VA mortgage) with ASPIRE FINANCIAL INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: My husband and I recently refinanced our home with XXXX and was overcharged in our closing documents. We paid for our XXXX certification that is required by the VA administration, which is also suppose to be not an expense to the borrower. We were then charged again in the closing documents. We also gave XXXX a copy of my divorce decree showing that I was awarded my home in my divorce. XXXX did not supply a copy of this decree to the title company at closing and the title company requested a copy from the courthouse and charged me in my closing documents. During the XXXX month, ordeal of getting our home refinanced, we experienced bad customer service, lost numerous documents that was submitted to XXXX numerous times. The XXXX managers was unprofessional in all aspects of this refinance process. I even at XXXX time tried to reach out and talk to the XXXX of the company just to receive a call from XXXX of the managers stating that, " the XXXX does n't talk to customers. '' If this is true then the commercial 's that is aired on TV is false advertising, and the customers that he is showing as a true customer is fake. At closing with the title company, our closing documents had numerous forms that were still incorrect even after we submitted them to XXXX numerous times. I even contacted XXXX of the managers to state that they over charged us for the XXXX certification by {$320.00} to only be hollered at by this manager. I even had my cell phone on speaker phone and the title company closing officer was in shock to hear the tone and what this manager said to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (NC).
Issue: Trouble during payment process

Complaint: I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late  charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This concerns a debt reporting by XXXX and the University XXXX. 

It began with an attempt to collect a debt that I had paid in the amount of Apporx. {$70.00}. I submitted my proof. 
Then somehow with out a billing XXXX sent notices that {$38.00} ( approx ) was due with NO PROOF. Just letters. 

I spoke with XXXX today upon learning that they had reported the {$38.00} to the credit reporting agencies. This XXXX item has signifiicantly effected my score. 

So I asked XXXX if I were to pay the bill would they asked that the {$38.00} be removed. They said no. I aaaked to speak to a supervisor and was sent to VM. No return call at this time. 


However State Wide told me that there was no bill for the amount they had reported to the Agencies. And they had no bill for this amount came from their client, The XXXX billlinh system in convoluted and difficult to follow. The bills dont carrry an account number or an invoice number that you can track. Each bill, even rebills all carry a separate " MRN '' number.You are not sure where rhe bills, some the same amount, are rebill and separate billings. 

The XXXX billing / collections staff are unhelpful. Some work at home. i received a call from a XXXX employee at XXXX on a Saturday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with Larry H. Miller Group of Companies (CO).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: I obtained pre-approval for financing through my credit union prior to purchasing a vehicle from Larry H. Miller XXXX XXXX in XXXX XXXX, CO. I was informed that I needed to fill out their loan application paperwork before they could approve financing. I filled out the paperwork and provided my SSN. I told them I did not want XXXX XXXX and was told that I was not applying for a XXXX Loan. I was told by the sales person that they needed the information for their records in case they " got audited. '' It turns out that the finance manager still made credit inquiries on behalf of the dealership, despite them fully knowing that I had been pre-approved for a loan through the credit union. <P/>I did not authorize a credit inquiry on behalf of the dealership. Their actions are counter to FTC Notice of XXXX XXXX, 1998 which states " [ A ] n automobile dealer may obtain a report only in those circumstances in which the consumer clearly understands that he or she is initiating the purchase or lease of a vehicle and the seller has a legitimate business need for the consumer report to complete the transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Experian. Experian is violating the FCRA, by knowingly listing unverified accounts and personal information on my credit report. Experian has ignored my repeated requests to provide me with the documents or copies of the documents that they are using to verify the accounts, I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " ... promptly DELETE all information which can not be verified '' that I disputed. Please help me resolve this matter as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 04/21/2016 about Credit card () with CITIBANK, N.A. (VT).
Issue: Billing disputes

Complaint: I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, but wo n't deliver the refrigerator until XXXX/XXXX/2016. 

I " bought '' a tv from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, said they would deliver it on XXXX/XXXX/2016, but now say they ca n't. 

I complained to the Best Buy store manager that they should not charge my credit card until they actually deliver the product. The manager said charging my credit card immediately was their " policy. ''

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1 ) I have sent letters to the credit reporting agencies : XXXX, Transunion, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My present mortgage has been identified as one of the loans created by XXXX XXXX XXXX in 2005 who was a major contributor to the mortgage industries financial downfall. XXXX XXXX sold or transfer my mortgage to Aurora Loan Services ( both of which declared bankruptcy ) and sold the bad paper, that is now held by Nationstar Mortgage LLC ( XXXX, TX ). My interest rate has reverted back to 6.+4 upon the end of what Nationstar labeled as a modification in my paperwork for 2 years at a 2 %. I am now told that my loan was not a modification but a forbearance. My situation has not changed since the housing industry problems. I am still on a fixed income and can not afford the high interest rate and am in danger of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? Equifax needs to furnish me with a medical release form or remove these accounts. I AM NOT ASKING FOR VERIFICATION OR VALIDATION. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I purchased a car using my American express card back in XXXX and the car was a lemon so I returned it to the merchant and I filed a dispute with my credit card company the dispute been going on since XXXX I filed 12 disputes and they keep getting close in the Motions favor American Express told me there 's nothing else they can do to help me I returned the car back in XXXX of XXXX and now it is XXXX XXXX American Express is charged me {$150.00} interest for that car purchase and my minimum payment when 's from {$100.00} a month to {$330.00} a month and American Express told me is nothing they could do I could just have to pay it that 's not a problem my payment should be high this high and I should n't be charged {$150.00} and interest I pay on my card every month one time never missed a payment and I need help I do n't know what else to do {$330.00} is a lot imoney to be paying every month can you please help me every time I call to speak to someone about my account I get someone that 's real nasty towards me or they hang up on me I had to mail my American Express card for 2 years now and it been r has been nothing but headache dealing with them so I close my accounts but I still make payments on my bill

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax, should be investagated.  Two y ears ago i had a problem getting my online annual credit report due inaccurate questions that i couldnt answer because i never had mortgage or car loan. Or lived at the addresses Equifax has for me! I had to mail documents as to my identity. Weeks later and after a call i finally got my credit report with inaccurate information on it. I had no problems with the oth er two cr edit reporting agencys and the disputed inaccurate information was taken off my report   XXXX    a andd    XXXX  . I have been fixing my credit over the years And t he Correct  information is  Paramount  when it 's about your credit worthyness. EQUIFAX should be investagated by The Attorney General because there are hundreds probably thousands of complaints online about Equifax of people having the same problems with inaccuracies EQUIFAX Refuses to fix these problems. Credit is important to the lives of all americans AND EQUIFAX IS NOT A REPUTABLE REPORTING AGENCY. AND SHOULD NOT BE USED FOR CREDIT REPORTS. I should be able to view my online credit report online instead of having to mail and send the same documents again because EQUIFAX WAS GIVEN THE RIGHT INFORMATION BUT REFUSES TO USE IT. PLEASE DO SOMETHING ABOUT THEM. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Savings account) with SYNCHRONY FINANCIAL (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened Checkings/Savings Accounts with, XXXX XXXX/Synchrony Financial and began to use these accounts over the, XXXX holiday while I was out of town. 

The company placed an ATM hold on my account, claiming they just wanted to verify that I was the person making the transactions. 

I called and verified and answered all their questions and was told everything was good and the holds would be released and I would have full use of all accounts and they still have not restored my accounts and are denying me access to my funds without any reason or explanation. 

I have spoken to this company an additional 6-7 times, up to and including the office of the President, XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Supervisors and Managers and am getting the run around! 

There is no grounds for this company denying me access to my accounts and this needs to be resolved immediately. 

I would appreciate your assistance to resolve the matter voluntarily, obviously the next steps would involve a higher escalation, up to and including legal action and the media. 

Please advise.

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