milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OR).
Issue: Managing the loan or lease

Complaint: I had initially done a refinance to pay off my auto loan with wells fargo and the payoff check was sent on the XXXX of XXXX. Every time I called in to confirm if they had received my payment I was given the answer that they had not received anything. The payment actually was received on the XXXX of XXXX per a conversation I had with the Office of the President at Wells Fargo dealer services. The issue is, nothing was noted on my account that the payment had been received. They processed the check on the XXXX of XXXX however because I was given incorrect information every day up until the check processed, the title company that issued the check cancelled it and sent out another check based on the information that it had n't been received and therefore thinking it was lost in the mail. This would n't have happened if WF properly handled their accounts and at least notated a payment was received when they receive it. I was charged a late fee with was credited back however I was still responsible for the interest that accrued from the difference. Now the Title company has resent the payoff check and I have proof that it was received on the XXXX of XXXX Tracking number XXXX ( I attached a copy ) and it is now the XXXX of XXXX and I as of today the XXXX I am still getting told that nothing has been received. This is complete lack of accountability on Wells Fargos part to not even notate a payment receipt when they receive it. Because of this my account is now 32 days past due and my credit report has been adversely affected. Every time I call to inquire about it, I get different information. I am told it takes 5 days to process once received and I even had a rep confirm in the notes that I was told it takes 5 days to process. Now I am being told it takes 14plus days and one rep even told me it takes about a month. All the while My payment is sitting there and I am being treated as though I am a criminal with horrible attitutes from the reps that Im speaking with. I have satisfied my debt and because Wells Fargo does n't know how to handle accounts, they are scamming not only me but probably thousands of other people out of additional interest due to their horrible tactics. I had a case opened up with the office of the president on the XXXX of XXXX and still have yet to hear anything. I have n't been contacted or called to be notified of any progress. I left messages and still have no return call

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law

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 12-05-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

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 05/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying this loan for XXXX years and my overall balance has not gone down. They are not willing to work with me to help me make my payments lower. All they could do was offer me a temp 3 % interest rate and randomly I was taken out of the program. I was n't even told. Now my payments went from {$550.00} per month to {$800.00} per month. I ca n't afford it and I am going to have to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Vehicle loan or lease (Loan) with YAMAHA MOTOR FINANCE CORPORATION USA (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a brand new XXXX Yamaha Wolverine R spec ( utv ) from my local yamaha dealer for roughly 15000 dollars on a loan when they first came out. I purchased an extended 4 year warranty through yamaha for full drive train coverage etc. after owning this machine for not even a year and  only having 1200 miles on it the motor went on a cold start one day. The dealer replaced everything from the crank up in the motor without figuring out why it went. This roughly cost 3500 dollars in parts and labor for yamaha i would assume. The dealer ran it around the building numerous times etc and i got it back in reasonable time. With all brand new parts the motor came apart again not even 150 miles later.. The dealer has pulled apart engine and wants to replace oil pump along with all new parts again but yamaha is refusing to cover the machine with over 2 years of warranty left. its clear that the machine has a lubrication issue within the motor yet are claiming this is all my fault. They went as far as offering me one part as good will and than sent me a cheesy sticker package in the mail. I still owe an outrageous amount of money on something i ca n't use. I had to cancel hunting trips etc and am still making all payments. The dealer has made numerous calls to Yamaha motors corporation only to have my claim denied time and time again. I have spent lots of my time on the phone and can not get any answers from the company. a person name XXXX with customer service has denied my claims and wo n't give me a direct answer about covering the machine. I feel that i am being treated very poorly and was sold a lemon that I 'm now stuck with. I 've owned numerous machines through this company and have never had an issue. I 've found other people with similar issues online from some of the first wolverines that were purchased, not sure on the outcome for them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Re : Card ending in XXXX ( Chase Sapphire Reserve ) - disputing 2 transactions from XXXX. Refunds in the amount of XXXX ( XXXX ) // XXXX ( XXXX ). 

The conversion rate used for returns is unfair, wrong, and predatory. On this date, a purchase would be converted at 1.194 -- - however, a return is receiving a completely different unfair rate of 1.121 ( 6 % worse ). 

Please see to it that I am refunded the appropriate amount with consideration to the rate that is current. The difference owed to me is over {$100.00} Spent 30 minutes on the phone with XXXX ( XXXX XXXX, TX ) - Account Supervisor XXXX/XXXX/XXXX -- -- - service representative was n't able to assist, outside of her area of competence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Using a debit or ATM card

Complaint: My bank, Wells Fargo, erroneously reported me as being delinquent on my credit card payments and referred me to a credit bureau. When I called on XX/XX/XXXX they told me that I was paid up on my credit card and there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: On XX/XX/XXXX, 2017, I sent a certified letter to Experian demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file for the disputed account they claimed were verified. I am positive that Experian is not in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) because there is no way the accounts came back verified for ME because they do n't belong to me. Instead of honoring my request Experian sent me a letter stating that they will not reinvestigate due to previous dispute or unless I provided new information. I do not believe my letter was read because I was requesting proof the accounts were verified. I have also requested many times by letter and over the phone to have a name that does not belong to me removed Experian fail to do this my last name is XXXX not XXXX no other credit bureau is publishing this incorrect last name. I need the name removed.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: On XX/XX/XXXX, I mailed a packet of information to Experian, regarding numerous inquiries on my credit report with their agency. After two weeks had passed with no results, I contacted Experian by telephone on XX/XX/XXXX and again on XX/XX/XXXX. I was told by a representative that " Just because a company ca n't verify permissible purpose does n't mean that [ they ] have to remove the inquiries. '' I disagree. Any inaccurate information that can not be verified must be corrected or removed. Inquiries are not exempt from the FCRA. I have written to the company again, as the agent I spoke to ( I wo n't call him a customer service representative, because it is clear that we are n't customers, but commodities ) refused to allow me to speak to a supervisor, to give them an opportunity to resolve this matter, but after speaking to the agent yesterday and being told that removing inquiries is against the law - which is blatantly false - I am painfully aware that Experian is not going to do anything to resolve this issue. I only hope that the CFPB will make the XXXX finally have some teeth, and no settle for a standard form letter, cookie-cutter reply from this CRA. 

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 explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: 1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MO).
Issue: Credit decision / Underwriting

Complaint: {$380000.00} paid to Indymac/Ocwen to pay off XXXX balance. 
You may refund the remaining escrow and remove the second extinguished I will NOT pay you or the next servicer for the duplex and {$110000.00} escrow XXXX XXXX stole from me. You need to refund the {$150000.00} XXXX XXXX XXXX did NOT give to me and the I do not owe. ( {$310000.00}. ) They need to refund the payments I made to prepaid credits. And reinstate the remaining prepaid credit that was stolen. ( Especially any money used to {$67000.00} escrow to my duplex. ) And I did not owe any one the money I paid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry that I DID NOT AUTHORIZE nor gave consent for BelkXXXX to do. Validate that inquiry with proof.

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