milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with SUMMIT FINANCIAL CORP (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck  guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.

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 06-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Privacy

Complaint: I just lost my job and now I have time and wanted to consolidate my bills, call the credit card companies and set up payment plans. I called this number XXXX on XXXX/XXXX/16 at XXXX. A man answered me and asked for an account number which I could not give. He said something about it had to be transferred to customer service, then there was dead air. I said 'hello ', 'hello ' and no one answered, I got nervous so I hung up. I did not bother calling back. I did call CFPB as I wanted to make sure that what I was doing was right. I spoke to a very kind lady who gave me good advise and gave me a number to non-profit financial advisors should I wish to seek advise/guidance. 

At around XXXX, and my aunt sent me a message asking me to give her a call once I got to Pa. 

I called my aunt once I was in Pa and she told me that there was a court summons, the neighbor called my uncle because the neighbor did not want to sign the court summons addressed to me. 

I guess someone signed for it as my Aunt had the copy of the summons. I feel that my privacy was violated. It seemed fishy to me that I gave them a call, someone answered, there was dead air and suddenly someone showed up with a court summons dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole my identity and use my name for a credit card and its showing on credit report and bringing my score down and i m getting harrassed by these company.I would like to get it remove off.account # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has continually made knowingly false representations on a mortgage or Deed of Trust to me, to the public at large in general, and to bona fide purchases ( DFPs ) in specific. 

Bank of America 's representations to me made through their legal counsel on XX/XX/XXXX, indicates an awareness this account has been modified under a Making Home Affordable ( MHA ) program XX/XX/XXXX, specifically the Home Affordable Modification Program ( HAMP ) and was amended XX/XX/XXXX to include a principal forgiveness amount. This amount has been represented to me as a new and separate HAMP modification and has not been included in the stated principal balance due at the time of loan transfer or sale on XX/XX/XXXX. 

According to MHA HAMP guidelines, all amounts forgiven are to be paid back if the property is sold. Bank of America and their representatives may not claim ignorance to HAMP guidelines as they are required by law to be knowledgeable of all the rules of all the modification programs offered by Bank of America. When Bank of America fails to return MHA funds upon sale they are guilty of Welfare Fraud, fraud on a mortgage or Deed of Trust, and real estate fraud. 

Just to be clear, I have had only one MHA HAMP modification finalized, as amended. However, I have been approved for MHA HAMP three times over. 

All previously mentioned resolutions are desired and mandatory.

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 04/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: On  XXXX   XXXX , I attempted to make a payment to SIMPLEMOBILE*AIRTIME  XXXX  FL  XXXX  US , of  {$40.00} for a friend 's cell phone service. Immediately afterwards, I received an Email from my Credit Card company stating that I had also authorized payment of {$10.00} for International Calling, which I did not authorize.   I called my Credit Card Company, CapitalOne and I was connected to  XXXX  and I told the SimpleMobile agent that I was not authorizing the charges for either of these items. I then told th e CapitalOne age nt that I was not authorizing any charges to  XXXX , now or in the future.   However, I now see on my CapitalOne statement that  XXXX  charged my credit card twice on  XXXX   XXXX  for {$10.00}. I called  XXXX  to attempt to resolve the charges, but I was told by the SimpleMobile agent that they can do nothing unless I give them a Pin Number for the account. My friend told me that she never was given a  Pin Number whe n she set up her account with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Auto) with TCF NATIONAL BANK (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (IL).
Issue: Struggling to pay mortgage

Complaint: Trying to do a short sale. Package sent to lender XXXX/XXXX/XXXX - lender declined saying there was no hardship. Had client write more detailed hardship letter and resent with package on XXXX/XXXX/XXXX. Have been calling ( always put in XXXX XXXX 's voice mail with no response for over 1 month ). Also included customer service emails, which they keep saying they do n't have the information I sent many times. Home Point Financial will not respond to any communication and wo n't work with me. This has been going on for over 1 month and now they scheduled a sheriff sale on XXXX/XXXX/XXXX. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.

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 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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 currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 10-08-2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off an XXXX XXXX account XX/XX/XXXX the original dedt was from XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX BAT T XXXX XXXX XXXXOpen XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. XXXX BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY XXXX : XXXX : ACCT INFO DISPUTED MEETS XXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTIR : XXXX XXXX SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: For the past couple of months, several individuals have been contacting from the same phone number claiming to be lawyers from the offices of XXXX, XXXX XXXX XXXX and Cooper, Hoffman, Klein & Associates. They have called my personal cell phone and my place of work several times a day, every day. I have repeatedly asked them stop calling me at work because I am not allowed to receive phone calls of this nature at work. They have not complied and continue to call. When they call, they yell at me on the phone, tell me that they are sending someone to come arrest me immediately, and usually end up hanging up on me. I have repeatedly asked them to send me a validation letter of the debt that they say that I owe and the refuse. I have also asked them for an address so that I could send a written request to them to stop contacting me at work and they have refused this as well. They have even called my work and told my employer that they were sending a cop to come arrest me right that moment. They have told me that I have committed check fraud and that I have written hot checks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.

Company response to consumer: Closed with explanation