milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit 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: the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX  by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.

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 02-02-2017 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Account opening, closing, or management

Complaint: DISCOVER BANK WOULD NOT ALLOW ME TO CASH MY CASHBACK BONUS BALANCE ON MY CHECKING ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My legal name is not reported on XXXX and it will not let me update my information, yet I have had the name for over 10 years ; There are employers reported I have no knowledge of and accounts opened that I also have no knowledge of. I can not receive any of the XXXX credit reports because I am unable to verify my identity because the information I have found reported to XXXX does not belong to me. My monthly income is not accurate either.

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 03/17/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 02-08-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My payments are due on the XXXX  of the month and have been set up to come out automatically. The payment was made but I get a notice about a past due payment and was charged a late fee. They are not handling my payments right at all and have raised my interest rate on the payment without notifying me. I signed in on the website to find this out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i 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- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have paid my bills on time and have a good relationship with my creditors. However, my new JCPenny Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 03-09-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: Ditech Financial messed up and incorrectly figured the property taxes in our escrow. Because of this, they refunded us around {$3000.00} a year ago and lowered our monthly payment. This year, they expect us to be able to not only make up for the shortage ( {$2100.00} ) they caused when miscalculating, but they want us to cover and additional {$3500.00} " cushion '' they've decided needs to be in the escrow. This raises our mortgage payment by over {$800.00} per month for a year, which isn't possible for us to do. I spoke to several people and none was willing to do anything. My feeling is that they should have to eat their mistake and I can make up the shortage of {$2100.00} over the next year. Can anyone help us?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We, XXXX and XXXX, do not owe a debt to DITECH FINANCIAL for the following reasons. It or its predecessors repeatedly acted to financially injure us in amounts that far exceeded an alleged debt, in violation of the contract and State law. In XXXX instance, the original lender, XXXX, or its agent charged my account approximately {$5000.00} in " legal fees '' but fraudulently reported the amounts I paid to the Internal Revenue Service as mortgage interest paid. We complained to the companies and demanded that the money be refunded or credited to the account. The amounts paid to the companies were applied illegally to " legal fees, '' but not the principal balance or " mortgage interest. '' The amounts paid to the companies, including damages far exceeded the alleged loan obligation. 
Further, under the laws of the State of California, the statute of limitations prevents them, or their agents or assigns from obtaining a judgment to collect on this expired, fraudulent claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family

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 CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 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: Account status incorrect

Complaint: I have called XXXX to rectify my issue. XXXX closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.

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 05/19/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: Our mortgage holder, Ditech, conducted an incorrect escrow analysis on  XXXX   XXXX ,   XXXX   indicating a deficiency, so we contacted them by phone on  XXXX   XXXX ,   XXXX   to discus the matter. After speaking to several incompetent people, we were finally told to fax the   XXXX   Notice of  Appraised Value indicating our homestead and DV4 tax  exemptions. We were given the following fax number :  XXXX  and have a copy of the fax transmission report with the detail, however we were given no response that they received the document.     So two days later,  XXXX   XXXX ,   XXXX  , we sent a message through the  Ditech Message Center and wr ote the following : " I recently faxed in my   XXXX   Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on  XXXX   XXXX ,   XXXX   is identical to the analysis performed in  XXXX  and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an  incorrect county tax  amount and an incorrect hazard insurance amount.     Although they have the corr  ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis.
In regard to the county tax, t  hey have the wrong amount  XXXX  {$8700.00}  XXXX  listed on our escrow activity page as well as on the escrow analysis.     Our   XXXX   Notice  of Appraised Value clearly states that the county t ax for   XXXX   is {$6900.00}. Our current escrow balance for  XXXX   XXXX ,   XXXX   is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a chase credit card which is paid through bill pay from my chase checking account. I have the payment schedule set up to be received by the credit card on the due date. The credit card has begun to charge me late fees because I was told the payments are n't posting for 1-2 days after I the due date. These payments are supposed to be posted the same day since it is the same company. The rep from the credit card company sai I was responsible for when the payments post! The late fees were waived this time but I was told they may incur again. I feel that chase is falsely and deliberately charging late fees. If I had not questioned this the fees would not have been removed. I feel you should be aware of this because I am sure this is happening to other chase customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please 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 explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.

Company response to consumer: Closed with explanation