milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX sold my debt I owed them to XXXX XXXX XXXX XXXX XXXX is still showing a debt owed to them as well as XXXX XXXX XXXX  showing a debt. Both are reporting on my credit report. So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since XXXX XXXX no longer owns this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX XXXX, NY XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX applied for a {$350.00} loan, filled out everything, got the loan. thought all i would have to do was pay off the loan, plus a small fee, and that would be it. 

What i didnt know until my loan was approved was the inetrest rate of 597 %. 

I did some checking, and also found out that they are not even licensed to do business in the state of CA where i reside currently.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with EQUIFAX, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXXXXXX XXXX is reporting a debt of {$140.00} on my credit that was paid and they told me that it 's not on my credit and it still is and Equifax is not responding to my request to delete. This account is from XXXX and paid in full. XXXX XXXX for {$530.00} I sent a dispute letter to XXXX XXXX and they responded that they do not have an account in my name. I do n't know why Equifax is not removing this debt as it does not belongs to me. Today there was a new account placed on my Equifax report from XXXX XXXX XXXX, this is not my debt and I demand to have this account removed from my records. From what I saw on the report this debt is from XXXX why are people allowed to put things on the wrong person credit profile and then we have to fight to get it off. This is wrong to place negative remarks on the wrong person credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have requested a copy of the " on-line application '' that was used to fraudulently open a Visa Credit Card with Synchrony Bank BP in my name without my permission. I am a victim of Identity Theft. The fraudulent person opened a line-of-credit ( credit card ) via the Internet " on-line '' on XX/XX/XXXX with SYNCB/BP DC, for {$6000.00}. They charged {$7900.00} on the credit card. I have contacted the credit agencies, filed a police report and filed an Identity Theft Report with the Federal Trade Commission.  The identity theft was brought to my attention on XX/XX/XXXX and I have been trying since XX/XX/XXXX to get a copy of the fraudulent " on-line application. '' Synchrony Bank has dragged their feet and have not sent me the " on-line application that I requested. In addition, they are required to send me any documents or information that was used and/or uncovered during the process of them investigating this fraud. I have not received any documents or information them. Summary : 1 ) I need a copy of the fraudulent " on-line application '' ; 2 ) copies of any documents or information uncovered during the investigation of this identity theft claim.

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 01-03-2016 about Mortgage (Home equity loan or line of credit) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX ... Credco ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit

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 08-03-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla. 
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all. 
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX

Company response to consumer: Closed with explanation