milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Credit Acceptance Corporation. I advised the company that I am unable to make my payments on the XXXX of each month and needed to change it to later in the month so that I can pay my rent and other bills on time. I was told the due date ca n't be permanently changed but I can request a due date adjustment each month if I need one. 

I have been adjusting my due dates a day before they are due to ensure payment is receive on the adjusted due date. I recently received a call from the company stating that I have 2 months of late fees for the last two payments I was allowed to adjust. I was advised by the company that even though they allow me to adjust my payments to when I can make them I am still responsible for a late fee if the payment is received after the XXXX of the month. I advised the company that my contract states that if my payment is received after the XXXX a late fee will be assessed. However, the contract does n't state that if my payment is adjusted to a later date with the companies permission that I would still be assessed a late fee. I advised the company that the only reason my payments would be made after the XXXX would be because that is how I am paid by my employer. I also told the company if I am given permission by the company to adjust my due date to a later date that may possibly be after the XXXX of the month depending on how I am paid I should not be assessed a late fee. 

The company basically blew me off and said " Just make sure you pay on time ''. The only problem with this is if I was allowed to permanently adjust my due date to later date in the month I would n't have to worry about making my payments late. I would also not have to worry about being charged and harassed about a late fee when I was given permission by the company to adjust my payment to a later date. 

I would like for any late fees to be waived and I would like to permanently adjust my due date to a later date in the month that allows me to pay all of my bills without any issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: due date of the credit card is XX/XX/XXXX. I called over the phone XX/XX/XXXX and do an auto pay through my spouse account, the rep spoke to both me and my spouse and finish the auto payment, It was all set and we hang up. We were surprise when we tried to use the card to pay a restaurant bill that it got declined, we called the citi bank why our transaction got declined, the said coz we have a late fee.

I was shock to know and i told them we did set up an auto pay, they said we did not. No one from their end informed us back that our auto pay did not push thru, we have to know it when we finish eating and not be able to pay for our lunch. 
So again i have to set up and new auto pay that day XX/XX/XXXX,  after getting all the infos and a long wait, this time they acknowledge that yes, its not allowing them to set up auto pay through phone. The rep said i have to go online and register ( which i did ) and to call 2 days after tp have the fee waived.

I called today to just be rebuked blatantly. They cant do anything to waived the late fee.

{$25.00} is a very minimal amt for me to be going through all this ... but i will bacause this is unfair.

we did our part setting up for auto pay via one of their reps before the due date. They fail to notify us before the due date that it did not push through. They dont even acknowlegde it that they have failure on their part- thats what it makes more soooooo frustrating!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. XXXX

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 04/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I received a physical check from the social security office on XX/XX/XXXX and deposited it via atm. at that time I went ahead on the assumption that it had been cashed as normal since it was a government check. However I was later emailed and notified that only XXXX dollars of the XXXX had been cleared as the rest was put on hold due to being unable to contact XXXX XXXX XXXX. when I complained I was told that it was XXXX after the second complaint. then I received an email from the senior vice president of fraud prevention and it stated that my monies would be released on XX/XX/XXXX. I expect nothing more than additional difficulty as since my initial filing with the cfpb against chase I have had nothing but issues. They debited my account 3 times and continue to claim that they are credits and ignore any attempt at a rational explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Federal student loan servicing) with ACS Education Services (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ACS Education Services is refusing to release my loans to another borrower that is consolidating my loans. After contacting ACS numerous times about them sending the info they continue to say the same thing " We 're done with XXXX of your XXXX packets '' and I 've heard this for about 2 months. They had the request to send the info so they could be paid off in XXXX 2016 and after speaking to the new lender today ( XXXX/XXXX/16 ) I was just advised they send information that my loans were paid off already. In the mean time ACS has my loans in default, sent it to a collection agency, and put it on my credit report. I 've NEVER defaulted on my loans and was even struggling to pay them $ XXXX/month but still did it. If anyone looks online they will see the many horror stories about ACS Education Service and I almost feel I 've paid my money to a company that has scammed me the whole time and concerned about the payments that I did make. I 've found a company that is authorized by the Dept of Ed to help with consolidation, lower my payments for all my loans dramatically, and actually give me a length of how long I will have to pay them. I am now in the process of faxing them my bills to prove that I still own ACS and they will help me resolve the issue and hopefully get the funds to them to pay them off. 

On another note my other lender sent the information within 2 weeks and were paid in full within 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When the Student Loan Forgiveness Act initially came out I spoke to what was then XXXX XXXX, now XXXX who carries my student loan. They said I had already consolidated and did n't qualify for loan forgiveness. Equitable Acceptance Corporation under the name XXXX XXXX Loans contacted me by phone. After giving them my information the representative stated that not only do I qualify, but I qualify for XXXX payment. I pay them closing costs XXXX or {$39.00} per month in closing costs. They will file for my loan to be placed on deferment while consolidating the loan and my payment of {$39.00} per month will begin XXXX XXXX until paid in full. The origional contact with this company ocurred XXXX XXXX, 2016. I recieved the initial deferment documentation via email. I received notification by email from XXXX last week indicating that my deferment was almost over. This made me question, because Equitable Acceptance was supposed to be taking the loan, so why would I be hearing from XXXX? I then received a bill from Equitable Acceptance stating they wanted {$39.00} by XXXX XXXX, 2016. I called XXXX today XXXX XXXX/XXXX/16 XXXX about the deferment. The representative indicated that I would be better off paying my monthly payment as is, because under the loan forgiveness act I would end up paying more per month and I will be paid off in less than 10 years. She then said Equitable Acceptance serves as a 3rd party representative, which they did not tell me. She indicated that I am paying them to do paperwork I can do myself, they have not filed for consolidation on the loan and are simply deferring the loan. She provided me with the phone number for XXXX XXXX XXXX XXXX XXXX to determine my rights and XXXX to determine if a claim has been opened under my social security number. I believe that I was given false information by this company and now they are going to demand I pay them a monthly payment to them under false pretenses while still paying on my student loan. They are not providing the services they indicated to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Payday loan () with BlueChip Financial (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. 
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My client applied for a FHA pre-foreclosure sale on their property because they could not afford to stay in their home. The were approved to participate in the sale program but right afterwards the servicer foreclosed on the property. I filed a complaint with you and subsequently they rescinded the foreclosure and approved the contract that was submitted. 
As we started the closing process we found the property was not deeded back to the owner after the foreclosure was rescinded. I have been trying to get the foreclosure recission deeded but can not get help from the servicer. Please open an inquiry into this matter so we can complete this sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I first started with country wide and was in the negative arm loan. Then was sold to XXXX XXXX XXXX and i fell behind in payments. In XXXX XXXX XXXX XXXX had to offer me loan modification due to the mortgage debt settlement. They offerred me a trial modification then after i sent first payment they sold my loan to nationstar in attempt to wipe their hands clean and not have to comply with the settlement. 

My XXXX XXXX XXXX loan was transferred to Nationstar on XXXX XXXX after I agreed to a modification. I tried to send a payment to nationstar but my it wasnt accepted and in fact the payment I sent XXXX XXXX XXXX was returned. I called several months asking when can i make a payment and was told to wait until they receive documents from XXXX XXXX XXXX. On XXXX and XXXX XXXX, i received loan documents from nationstar that had a XXXX payment balloon of over XXXX. I told them this not same loan as XXXX XXXX XXXX, please let me know why theres a balloon payment before I sign this modification. Till this day, I have n't gotten an answer. I have contacted Nation star every single month. Then I get a notice of default so I gave in and they sent modification documentation. I agreed and they open a case for mod in XXXX XXXX. I 've been trying to send over modification documents to nation stars and now they are saying that the investor will not allow me to modify. In addition, they gave me a number for point of contact, XXXX XXXX who never calls me back or work on my case. All I want is fair treatment and for them to honor the XXXX XXXX XXXX loan documentation without balloon payment. If not, then at least give me opportunity to apply for XXXX program since they offered it to me. I also sent over my XXXX XXXX discharge papers from XXXX and asking to see if I was qualified for SCRA benefits and I never got response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of the Equifax hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XX/XX/XXXX ) to Weds ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 William D. Meeker Enterprises, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I cancelled my XXXX XXXX on XX/XX/XXXX, at the time of disconnection they provided me the amount of my outstanding balance, which I paid via credit card over the phone. Today ( XXXX ) I received a collection notice from Credit Protection Association L.P. on behalf of XXXX XXXX. When I called XXXX XXXX they informed me that they made a mistake in the calculation of the final payment due, and adjusted it after I made the final payment. XXXX XXXX NEVER notified me I owed anything else, no mail, no email, no phone call -- they just put me into collections. I made the payment today, I would have made it sooner had I known that I owed them money. Putting me in to collections without ever sending me a bill is unethical, and now I have damage to my credit rating through no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: When I first bought and moved into my home in XXXX, NV, in XXXX 2011, I called XXXX XXXX to provide wireless internet service. A technician came out to install the system, but was unable to get a strong enough signal for wireless service. I called the company to notify them, asked them to cancel my service, and initially they said they could not since they had sent a technician out. I persisted and stated that I would not pay for service that was not provided. They relented and said they would cancel all charges. Then I received a bill from them. I called them again, restated what had happened, and the customer service rep said she would reverse the charges and zero out the account. Nevertheless, a year or two later, they had sold the debt to a collection agency who now tried to collect from me. I explained the situation and they agreed to drop it. Now this year, another collection agency is pursuing it. I asked them for the billing statements to substantiate the charges, they said they would provide it to me, but never did. I thought the matter ended, or at least until the next collection agency gets it. 

Although the supposed amount owed is only {$73.00}, I refuse to pay for service that was never provided, and for which an agreement was supposedly reached, only to have them renege and continually resell it in their package of bad debts to collection agencies. I do not owe this money, they failed to provide the service I sought, and this matter needs to end. 

Finally, I have an excellent credit rating because I honor my responsibilities and obligations. This is NOT a legitimate charge and I refuse to be held responsible for it. I have read many online reviews that XXXX XXXX chooses to conduct business in this manner, and I will not give them money they did not earn, that they told me was XXXX out, simply out of fear they will report it to a credit bureau. 

Unfortunately I do not have any documentation, since I throw out my bills after one year 's time, and did not have any remaining bills by the time a collection agency contacted me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: *XX/XX/XXXX I requested my credit reports from all 3 credit bureaus to find a collection account be reported by XXXX XXXX XXXX in the amount of ~ {$17000.00}. 
*XX/XX/XXXX I contacted XXXX , XXXX  XXXX XXXX XXXX XXXX , and XXXX ( original lender ) disputing this reporting. The credit bureaus responded with written notification that the debt had been verified, XXXX XXXX XXXX nor did XXXX respond. 
*XX/XX/XXXX I sent a second round of letters disputing the debt reporting to both cb, the collection company, and the original lender. The cb again responded that the debt had been verified, the original lender again did not respond, however the collection agency sent a copy of a statement from XXXX and the front page of an inactive homeowners policy with my name on it. 
This debt is being reported incorrectly and I'm not responsible for this debt, in a written statement ( which I will include ) admits that the insurance company agreed to pay them for the work and when the invoice was submitted to the insurance company the insurance company refused to pay the claim. I have made multiple attempts to contact XXXX & XXXX XXXX XXXX without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX upon signing up for a gold checking account I called Citibank to verify if I am eligible for the signing bonus XXXX XXXX points if I meet all the requirements. I was told yes I will receive the promotion offer. Right after the requirements were met I chatted online with an agent again to verify if they were met, and I was assured by the agent saying yes ( I have a copy of the conversation - XXXX : at XXXX XXXX, the bonus points will be credited into your account within 90 days. 
XXXX : at XXXX I request you to wait. 
XXXX : at XXXX You will receive the confirmation message from our end regarding the points when they are going to credit. 
XXXX : at XXXX Rest assured. ) A month later I called again to check on the status and a male representative said the same thing and asked me to wait for 90 days. And a month later I called again and the rep. said she will make a request and send me an email, but I never received the email. 
Today it 's been over 4 months since I signed up for the account. So I talked with an agent online about the promotion offer. She then told me that I am not eligible for the offer. 
I called 3 times and talked online with at least XXXX other agents too, and they did n't know or check if I was eligible for the offer?! They told me to wait for 90 days several times. Now I have waited for over 90 days, and she said I am not eligible? If so, should n't they have said that at the beginning?!

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