milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I XXXX XXXX would like to dispute XXXX First delinquency. On my credit file I printed on XX/XX/XXXX the first delinquency was back in XX/XX/XXXX. XXXX keep reporting different delinquency dates to Experian. Seven Years from the first delinquency is when XXXX is suppose to be removed from my credit file and on XX/XX/XXXX it will be seven years from my first delinquency an I would like XXXX removed from my Experian credit report. XXXX is showing a delinquent date of XX/XX/XXXX. on my credit report XXXX is not showing the my payment history from XX/XX/XXXX to XX/XX/XXXX on my credit report where my first delinquent payment is missing on my credit report. XXXX is sending Experian conflicting delinquency dates to prolong this adverse to be on my Experian credit file and I would like XXXX to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.

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 09-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Open a national bank account with Chase Bank. After a few months I started getting excessive unknown charges from a vender of a fitness club I was not aware I was sign up for. Turns out the account I closed shortly after I opened my Chase account was never taken off direct deposit. The bank told me it was the gym but the gym showed me they were n't taking money. Long story short a XXXX account was mistakenly opened by the gym which caused a XXXX charge to continue for months. When I figured out the issue I addressed the bank manger about my concerns and she opened a fraud claim which was going to fix it. Three months later I 'm in XXXX no bank accounts now and chase wo n't help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.

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 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Portfolio Recovery added a debt to my credit profile without notifying me about the debt in advance. 

On XXXX XXXX, 2017 I received a notification that Portfolio Recovery added a n account XXXX XXXX XXXX XXXX to my credit file. I was in the process of verifying/confirming the debt with XXXX XXXX and they removed the account from my credit file and two months letter it was sold to Portfolio Recovery and put back on my account. I was never notified of this debt and I know its against my Consumer Credit rights to add any accounts to my file without proper notification. This addition to my credit file dropped my score down immediately. 

Please investigate my claims and make appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient has written off my private student loans as a loss. They continue to misreport the loans on 8 separate trade lines each month. 

I have written to Navients supposed attorneys who contacted me but I dont believe they were a true law firm. I requested copies of my original promissory notes to determine if I owed them as much as they say I do. I have received no response to my requests and they continue to illegally report 8 negative accounts with them. 

If they cant provide me with proof that they own my loans and the original promissory note terms these trade lines must be deleted. If they have written off these loans than they need to eliminate these trade lines. 

I also was threatened on a recorded line by a supervisor to an employee named XXXX XXXX. She was XXXX in ethnicity and asked me what my employer would think if they knew I had a defaulted student loan. Navient also sent fax requests for information to my employer when they had no legal basis to do so and I specifically told them not to contact my employer. 

Navients behavior and false reporting is causing my credit score to remain low and I can not buy a house. Please investigate this corrupt operation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Problems when you are unable to pay

Complaint: I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family.

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 09/17/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Trouble during payment process

Complaint: At the time I went to pay my XXXX mortgage payment online ( XXXX XXXX ), I inadvertently failed to hit the last " Submit Payment '' button, which meant I did not make the payment. 

Later I received a letter from my mortgage company, Freedom Mortgage indicating I had not made the payment. I think I checked that I had a saved PDF for the payment, but either did not open it or did not see it was not a confirmation screen. 

We left town in mid XXXX and were away from physical mail until mid XXXX. 

When I went to make my XXXX payment online ( while away ), there was no indication that I was now indeed late. I also was unable to download my XXXX or XXXX statements at this time to verify what had happened. I made the XXXX payment. 

When I got home in mid-XXXX there was another you are late letter. I was still unable to see XXXX or XXXX statements. When I went to make my XXXX payment it was finally indicating I was late as the required payment was now double my normal payment. I checked my checking account from which I make the payments and could see the XXXX payment did not happen. 

I contacted Freedom Mortgage, and they seemed to understand the problem and would be happy to reverse one late payment ( maximum of their policy ), which they did. The person I spoke to sounded positive on the idea I would be able to have them repair my credit report, but I would need to submit a case via e-mail. 

I submitted a case by e-mail, but the declined to repair my credit report. I am unable to pursue this matter further with their XXXX XXXX Department, as they would not provide me with a phone number for this department. 

My credit reports with at least two of the three agencies now reflect two late payments on the mortgage, which seems unfair, as I feel I only missed one payment ; it just took me two months to address. There is also no distinction for a payment missed inadvertently, versus missed due to financial hardship or other issue. 

I was only able to see my statements for XXXX and XXXX as of XXXX XXXX. This made it impossible to verify from Freedom Mortgage 's records what had happened. It is even possible I did actually submit my XXXX payment, but their system failed. Their on-line payment system is frequently offline, and fails when I submit. I will attach a screenshot of an example of this. 

I also do not know how to add or update a contact telephone number on Freedom Mortgage 's website. They may have tried contacting me regarding the issue, but they may have been trying my home number while I was away. 

I would like Freedom Mortgage to be forced to repair my credit report, to improve their website so that contact phone numbers can be seen, added and updated, and that their website be modified to make it OBVIOUS that a payment is about to be or is late.

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 08/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!

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