milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: Husband w ent  to a Honda dealer ship on Saturday ,  XX/XX/XXXX  and wa s quoted an amount for the vehicle and monthly payments. The dealership allowed him to take the vehicle home, even though he had not signed all the paperwork with the  finance  department. When he went back to the dealership on Sunday,   XX/XX/XXXX , the was told th at there was some confusion with the offer he was given and that the agency was not quite sure how they had come up with the number. My husband was told to call back on Monday morning to have everything straightened out. Monday morning, the dealership is now quoting my husband payments that are {$140.00} more than what he was quoted  two days  prior.   My husband left the dealership on Saturday, after signing paperwork stating that he was committed to the deal and the rate ( among additional paperwork that he does not recall ) he was never provided with copies of what he signed. Nor was he provided any disclosures related to cost of the vehicle, charges e  tc.
On Monday,   XXXX   XXXX  , 2017 the dealership   called my husband to inform him of the new payment rate. At this time I asked what interest rate they used to calculate monthly payments and as told it was not really a rate but a formula and that the sales person did not know how it was calculated. The MSRP of the car was significantly different from what had initially been told to my husband. I feel that the dealership is practicing unfair, deceptive and abusive practices in efforts to entice consumers to purchase vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I ask the company to check the validity of my accounts with recoverable receivable. These accounts have the same amount on some balances. Also I wanted them to validate that I 'm the intended party they are asking for. Experian only verified the accounts but did n't validate them. After even talking to a agent at the company they advised me themselves to dispute the account because it did n't look right. They asked me to send proof so I sent my driver license and I still did n't get a reply from them.

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 05-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX 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 08-03-2015 about Debt collection (I do not know) with Nationwide Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My home suffered a loss due to flooding on XX/XX/2016. My home is covered under a flood insurance policy from FEMA. NYCB is the secondary lien holder on the property and the total loan as approximately {$38000.00}. The claim for structural damage alone is in excess of {$61000.00}. On XX/XX/XXXX, a check was issued by FEMA as an advance payment to assist with paying contractors for demolition, dry out and repairs. The Check was made out to myself, my wife, XXXX XXXX as the primary lien holder and AMTrust Bank as the secondary lien holder. On XX/XX/XXXX, my wife and I went to a local branch of XXXX XXXX and the bank manager endorsed the check immediately. After that we immediately went to a local branch of AMTrust Bank of which NYCB is a subsidiary. We were informed that this would have to go their loss department by 1st class mail. A follow-up phone call was made on XX/XX/XXXX and at first it was explained that their loss department would have to review the claim and send out inspectors for the work before they would issue a check. I explained to the customer service representative that NYCB was n't issuing a check and that the claim is not with their bank, it is with FEMA who I am dealing with directly. After about 15 minutes of explaining that all I needed was their endorsement of the check, I was told that as the secondary lien holder, NYCB did not need to go through the lengthy process and would simply endorse it and send it back. The check has not arrived as of XXXX, and I am looking at liens being placed on my property from the cleanup company this week. A phone call to NYCB went to a voice mail system. My concern is that this lender is unreasonably holding onto a check that they are the forth signator on. I am especially concerned when the balance of the funds from FEMA arrive. My house is a complete wreck and hardly livable, yet this financial institution seems unwilling and uninterested in addresses these real concerns. I have had to slow down the course of work significantly due to the delay from this lender. They should simply be able to endorse the check as XXXX XXXX did and send it back to me without unreasonable delay. I am hoping to work through this claim as quickly as possible to get back a home after my loss from XX/XX/XXXX. FEMA 's adjuster is handling the claim and responsible for inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a summons but never received any prior notification on the attempt to collect the debt. Was not given the opportunity to dispute, validate or pay this debt. I only knew about the summons because I was contacted by a  3rd  party. There is also no validation of the debt in the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX : XXXX I tried to register a complaint with the Michigan XXXX using the online complaint form regarding the XXXX XXXX XXXX account that was reported in 2014 on both XXXX and Equifax. However, despite me clicking the " company '' option as opposed to the " person '' option for the XXXX complainee sections it insisted I fill in a first and last name as if it were a person. It highlighted these fields in red and would not process anything until I filled them in to no avail. So I wo n't be retyping it. Just wanted to let you know that those who may want to, ca n't. Both XXXX XXXX XXXX and XXXX have no name to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these 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 03/16/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX in an XXXX. I do not make a very large salary, and I wanted to apply for the income-based repayment plans and see what other loan forgiveness options were available to me as I work in a XXXX outside of XXXX, NJ. Instead of getting information about how I can consolidate loans, forgive loans, and then move into an income based repayment plan after those steps were taken, my loan servicing provider just told me to defer my payments by sending me emails that were titled, " XXXX, Reply YES to Resolve Your Student Loan Payments ''. I never got clear information on how to actually apply for and qualify for a new repayment plan for someone in my career field. I know there are options available to XXXX, and I was never made aware of them by my provider. I am accruing more interest and hurting myself in the long run instead of making strides towards paying off my loan and working towards lowering the debt. I feel like the provider did not provide me clear options about my loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 01/27/2018 about Debt collection (Other debt) with Consumer Collection Management. Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After review of my credit reports I noticed a collection from Consumer Collection Management, account # XXXX in the amount of {$1500.00}. I sent Consumer collection management a certified letter requesting validation of debt. I received a letter from CCM which was a print out from XXXX XXXX stating I owe a debt with only the month of XX/XX/2016 provided. 

Consumer Collection management placed this debt to my credit reports without providing me the initial 30 day notice of debt. I am unaware of this debt and I would like CCM to provide a contract with my signature stating I owe CCM the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I contacted Care Credit and informed them that they would received a check from XXXX XXXX XXXX to be applied to the XXXX bill. On XX/XX/XXXX they received a check of {$950.00}, from XXXX XXXX, which was applied to my account ( XXXX ). On XX/XX/XXXX, Care Credit received a payment of {$200.00}. toward this account leaving a balance of {$940.00}. On XX/XX/XXXX, I paid {$100.00} toward this account. Care Credit has referred this account to the credit bureau for delinquency to this account. I have been making the payment I am not having any difficulty in making payment to this account. According to the credit card agreement, there would be no interest added to this account if paid off in two years I would like this organization the unfair practices of this company and assist me in resolving this dispute.

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 03-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Billing disputes

Complaint: Bank of America approved an authorization on a closed card. I cancelled my service with the company ( XXXX ) 2 months prior and I received a brand new credit card two months prior.

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 03/22/2017 about Debt collection (Medical) with TRINITY HOPE ASSOCIATES (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of 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 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed. 
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period. 
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX

Company response to consumer: Closed
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Medical) with Capital Accounts, LLC (NM).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Late fee

Complaint: The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.

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