milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 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: Information belongs to someone else

Complaint: I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the information.

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 card () with SYNCHRONY FINANCIAL (DE).
Issue: Customer service / Customer relations

Complaint: Amazon credit card, Synchrony Bank, will not allow access to previous statements online unless you subscribe to paperless statements. Also, Amazon credit card, Synchrony Bank, does not allow access to third party bill aggregatowr such as File This unless one subscribes to online, paperless, statements. I would love to move to a paperless model but I fear, without commitments from the credit card companies, this will be more of a burden for me then the card issuing institutions

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has an address that does not now and has never belonged to me. In other words, I never lived there.

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 07/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE IS ANY INQUIRE ON MY CREDIT REPORT THAT THE COMPANY TOLD ME THEY WOULD REMOVED BUT THEY STILL HAVE NOT DID SO AFTER 90 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Best Buy issuer, Citi, has not processed my request to obtain a copy of the Card Members Agreement to formally dispute an Adverse Action taken against my Open Credit Line. The bank has misled me with their processes which have led to the not fulfillment of the CMA. Attached is evidence of the above mentioned.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On the Bank of America website, specifically related to their Cash Back Rewards program, they have misleading information, stating an illustrative example of calculating annual cash back which is not actually possible through the program 's stipulations. They show an example of getting {$24.00} a month in cash back by spending {$1400.00} in a month in various categories. They go on to say that you would be able to get {$290.00} annually ( $ XXXX times 12 months ) in cash back in their example. However, their program only allows {$2500.00} of qualifying purchases per quarter, so their example would have you spending {$4300.00} quarterly ( {$1400.00} x3 ) to achieve the results, but the program only allows {$2500.00} quarterly so a large share of your spend would be disallowed for the rewards. This is very deceptive. It is actually possible to get {$300.00} cash back annually but only by using their card strictly on gas alone. This is not made clear in the outline of their advertisement.

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 10-06-2017 about Debt collection (Mortgage debt) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened the XXXX XXXX XXXX XXXX XXXX with Chase on XXXX XXXX XXXX. I had some trouble getting my cards, so the effective date that I started to use my card was XXXX XXXX XXXX, which is a couple of days after my replacement cards arrived. <P/>On XXXX XXXX XXXX, I paid the annual fee of {$95.00} and was hoping to take advantage of the promotion to earn XXXX bonus miles by spending {$3000.00} in the first three months. As this was a new card and its due date was different from my prior XXXX, I let the first payment date slip by accident. The first payment was due on XXXX XXXX XXXX. Therefore, I was charged interest and late fees for the first month the account was open. The total amounts of fees and interest are listed below. I also incurred additional fees and interest on XXXX XXXX XXXX. <P/>As for the promotion, I failed to meet my minimum requirement, so a large benefit from opening this new account was lost on XXXX XXXX, according to my discussion with the Chase representative on XXXX XXXX. In other words, I lost 21 days of the 90 days of the promotion by simply not having cards that I could use. When I called to see if this period could be extended, the Chase representative told me no. When I called back to cancel the card, the new Chase representative told me he could extend the time, but only until XXXX XXXX. Funny how things change when they think you are going to eliminate their opportunity to earn more fees. <P/>I 'm also disappointed that when I asked to cancel the card, all Chase representatives told me that they could not refund me any of my annual fee. Not sure how they can believe that they are entitled to the full amount of this ANNUAL fee as I only used the card for three months. XXXX XXXX has always returned the prorated portions of annual fees to me. I 'm confused as to why one of the largest banks in our country would not do the same. <P/>I am also willing to concede that the late fees and interest charges were ultimately my responsibility and understand that my actions caused them to be incurred. <P/>Here is a list of the fees I incurred while I held this card. <P/>Total Fees : {$150.00} - Effective Annual Rate on Total Purchases = 57 % - Effective Annual Rate on Average Balance = 140 % Total Interest : {$20.00} Total Fees & Interest : {$170.00} - Effective Annual Rate on Total Purchases = 64 % - Effective Annual Rate on Average Balance = 158 % Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XXXX XXXX, 2017, I opened a Credit Card with XXXX XXXX XXXX that is funded by XXXX XXXX, XXXX for {$1300.00}. I experienced economic hardship immediately after opening this account. The credit card company was not willing to work with me at all. I called numerous times to no avail in establishing some type of agreement due to my economic hardship. I am currently still experiencing economic hardship and this company still does not wish to work with me on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello, I have file disputes with the 3 credit bureaus XXXX XXXX, XXXX for deletion of XXXX tax liens due to lack of minimum reporting requirements for consumer personally identifiable information. Those requirements include Full name, Address, Full Social Security Number. and Date of Birth. ( 1 ) Copies of these Liens from XXXX District Courthouse in Massachusetts were faxed to the bureaus as well as supporting documentation. 

XXXX and XXXX deleted both from my credit report in a timely fashion. 

TransUnion deleted Massachusetts Tax Lien ( DOCKET # XXXX ), but declined to delete the other, Massachusetts Tax Lien ( DOCKET # XXXX ), amount {$4000.00}. In a letter dated XXXX XXXX, XXXX they have stated that this item was verified, Results - Information Updated. 

I am requesting that you please assist me in compelling them to delete this lien from my credit report due to the lack of the required criteria listed above. I am sorry, I have looked extensively for a precise title, chapter, statute, but have come up empty. I have however included a footnote from TransUnion 's white paper regarding this matter. Also attached are a copy of the Lien and the Release of Lien, as well as two pages of the TransUnion letter detailing their actions. 

Thank you for your 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 01/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making payments since XX/XX/XXXX, it seems they had no effect on my balance. further more the way Navient shows what my loans are, how many are how my payment is applied to them is unclear. when i had originally started payment i had over 60,000 in loans and i been making payment since XX/XX/XXXX but still it has not gone down one bit. it seems they are only applying my payments to my balance. Furthermore it took me to ask them about income driven payment plan before they offered it to me or gave other options. fr years they never mention it to me. all they did was give me forbearance. The way they keep my account and my loans is confusing, its unclear and very disorganized. i have no way to clearly understand how many loans i got. The statements they send in mail is inconsistent each month its a different balance or loan. Also i do not get my bills every month when i requested it be sent in mail on several occasions. They send sometimes only. They do not send my bill and statement every month like they are supposed to and charge me late fees. then apply my payments to the late fee and interest only so my balance has not gone down in 3 years of making payments. Like in XX/XX/XXXX i had a late payment but i never got a bill in the mail. I was on a forbearance and was not stated i had payments in XX/XX/XXXX. instead i got a letter saying my payment would resume on XX/XX/XXXX now i look at my account online and payments due on XX/XX/XXXX yet i have not received a statement or bill. This company is illegal in the manner they deal with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received my annual credit reports from the three reporting agencies, Experian, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had 9 inquiries on the Experian report, and several on the other two agencies. I spoke with a representative at Experian then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against Experian and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

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 01-09-2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/16, my PNC account was overdrawn overnight after my paycheck had suffered a garnishment which I had not expected. 
Punitive Fee ( s ) totaling {$140.00} were charged on XXXX/XXXX/16 for XXXX items which If I had known that middle of the night, I could have gone and covered. 
I had barely enough money to cover my said transactions but due to the punitive fees debited to my account, there was no way for me possible to cover a double hole. 
I called, begged, escalated, called, begged, escalated. Ended up reach a gentleman by the name of XXXX XXXX at PNC highest escalation and he told me they were not going to budge even if I filed a complaint with the Financial Consumer Protection Bureau. 
To protect myself I had to open a new account elsewhere, move my direct deposit. Cancel all my automatic payments and wait a week to be able to do anything. 
Now, they 're charging money daily to the account while it 's in the negative and have threatened to go into my spouse 's accounts to recover, because my name is attached on that account. 
These people are like jackals. Anybody on a fixed income with a hiccup can kiss their stability goodbye. Instead of being there to help, they 're the ones that chop you up. 
Please help us. 
All they have to do is waive the fees so we can fill the hole and go on. 
We 're trapped in a corner with nowhere to go. There are no funds available in our budget for their punitive fees. 
Thank you XXXX XXXX XXXX XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Customer service / Customer relations

Complaint: I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: We were late with out payment and arranged a payoff with them due XX/XX/XXXX. They instead sent a repossession team to our house and hollered at the top of their lungs to pay my debt and called me a " XXXX ''. One of the guys had his hands in a fist and was threatening to XXXX me. I recorded this on our home security system with the originals at XXXX

Company response to consumer: Closed with explanation