milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Today Saturday XX/XX/XXXX I received a collections noticed in the postal mail that was dated XX/XX/XXXX. BBVA Compass bank had repossessed my car without my knowledge then sold my car just a few days after my monthly payment. They claim the car was sold for {$10000.00} the remaining balance on the car loan contained within their info is {$12000.00} So that leaves a remaining balance of {$1500.00} along with fees involved with repossession. That being {$1700.00} so Compass bank is asking me within the mailed info to pay {$3300.00} I feel is that they owe me. I had spent {$1000.00} for a brand new set of tires including an alignment. I had also done needed maintenance such as a coolant flush and fill. Along with transmission flush and fill and other services to the car. I put {$2000.00} dollars into the car for maintenance and improvements. Also my  prescription medicine that was left in the car was never returned to me. That was a new bottle and unopened. That is around {$1700.00} for a 30 day supply. Also I had placed {$4000.00} dollars as a down payment for the car. The day after Compass bank repossessed the car they contacted the GAP insurance company and closed the GAP insurance policy and kept the refunded amount of money that was used to opened the GAP policy. I also did not have my pair of eyeglasses returned to me they were XXXX framers and lenses they cost me {$600.00} dollars. So that I had used pretty much all my money on this car and Compass bank is expecting me to pay them {$3300.00} They sold my car 2 days after my monthly payment. I just can not afford another car and I will not ever do any form of business with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient Has constantly been calling family, friends and work. even after they have been told not to contact due to the fair debt collection act. I told them I can not receive those calls at work and they got an attitude and hung up. They illegally recorded my father after he said not too and asked for his ssi and other info. They also called mother, sister, uncle and other family members that have no business being involved in this matter. They are constantly calling and harrassing. It has become unbearable father tells me they call every other hour. Parents are not cosigners on any loans. The one loan with my sister on the loan is current and they should not be calling her if it does not regard that specific loan. They have been told and to no avail they still do it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Solidus Group LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.

Company response to consumer: Untimely response
Consumer complaint received 11/28/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Payoff process

Complaint: i went to pep boys and applied for a membership credit and asked for services as they did a terrible job and dismantled performance to my XXXX. i had complaint to supervisors as they refunded and i had to return to a different pep boys as they couldnt fix the issues. i had to as well complaint to the XXXX of the services as well had to complaint to head quarters of pep boys as they said they would take care of issue. they did but now they put a collection on my credit report as they said they took care of issue which is a strong slander as they never sent letters and breached my data and persnoal information. the damge to the vehicle was bad they had to lease a new vehicle as the performance was not working proper.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has not correctly credited the payments that I have made. Now they are charging me late charges due to an error that they made on XXXX XXXX, 2015. I need to get this taken care of now before I lose my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Other banking product or service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Customer service / Customer relations

Complaint: I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My capital one account is showing 30 days past due on my account which is incorrect. My most recent payment was on XX/XX/XXXX for the amount of {$65.00}. And the payment isn't due again until XX/XX/XXXX. I have never made a single late payment on this account, and it is showing as closed, past due and decreased my credit score by 113 points.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 04/14/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Williams & Fudge, Inc (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Payday loan debt) with Penn Credit Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: APR or interest rate

Complaint: I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). 
I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid as agreed.

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 12-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX is not licensed to collect in my state. I am requesting that they be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Unsolicited issuance of credit card

Complaint: When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.

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