milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Auto Now Financial Services, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I constantly monitor my credit with   XXXX   XXXX  .   XXXX   XXXX    always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.

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
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Hello I filed a complaint in  XXXX  to have  National Credit  systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help.   XXXX   and   XXXX   f  ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since  XXXX  and I 'm getting the run around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had a Corporate American Express card from my employer, XXXX XXXX XXXX. I had closed the account when I left the employer on XXXX, XXXX, 2015. The account was closed but there was a charge that got posted on my account on XXXX XXXX, 2015. There was no correspondence about that charge on my account either via email or mail. On XXXX XXXX, the account was sent to a debt collection agency. Even though, I have XXXX other cards with all information updated, the company never bothered to reach me. Additionally, I was receiving email statement, but the company never bothered to send me a statement. I would like to company in significantly improve their practices on Corporate Credit Card and practice of sending it to debt collection agency WITHOUT TRYING to REACH customer. Moreover, they added {$190.00} of late fees. This is totally out of line, given I never got any correspondence of outstanding balance!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to busines s ( s ) co mplaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX   2017  with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from  XXXX ,  XXXX , and Experian with no success. They have refused to update information. Accounts to be removed :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (MD).
Issue: Taking out the loan or lease

Complaint: Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have  received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with Ballybunion Enterprises, Inc (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I paid my Chase Amazon credit card in total on XXXX XXXX and they charged me interest XXXX. I called and asked for them to drop the interest charge since the credit card bill was paid in full and I have XXXX credit cards with Chase. 

They refused - how are customers supposed to feel they are financial paid off if the credit card companies continue to bill them interest. I have not used that card since I paid if off

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I was given a loan for {$110.00}, upon arrival to pay the loan, the amount loaned was changed to {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Credit Solutions, LLC (KY) (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

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 04/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to "

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 08/15/2016 about Debt collection (Mortgage) with Clarfield, Okon, Salomone and Pincus, P.L. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Consumer Loan (Installment loan) with Marlette Funding, LLC (NY).
Issue: Managing the loan or lease

Complaint: I was given a of {$10000.00} from Best Egg financial institution. They deducted {$500.00} and deposited {$9500.00} into my account. My monthly installment payment are {$300.00}. I just realized the interest alone is {$250.00} from the {$300.00}. That means am only paying {$48.00} a month? That is outrageous, can you please help me I was not told read from any where that was going to be the rest. Am a senior citizen XXXX will retire next year, I can not survive on such a huge amount of interest rest. Please can you help me out. I know there is something wrong here. After 5year I will about {$20000.00} HELP ME PLEASE

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 11-08-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX XXXX obtain a mortgage from Bank of America in which time. I was never on the loan but was on the deed. In XXXX, I filed for separation and was in the process of buying my own home and I was advise to have my name remove from the deed in which I did my legal representation. In XXXX, I purchase my own home no credit issue. Well, in XXXX, I pulled my credit report from all XXXX bureaus and to my SHOCK Bank of America added it to my credit file. After 14 years it just popped up there. I immediately called BOA and no one could explain but advise me to write to the XXXX in which I did. I sent documentation that XXXX XXXX had to send a authorization so I could speak on the loan back in XXXX. I also mailed payment coupon and correspondence with only his name. My name was forged to the document on XXXX when the payment coupon was mailed. Bank of America forged my name to the document. They have also viewed my credit but never did an inquiry so it shows that I never applied for credit with them. This is going over year now and finally it was deleted from XXXX and XXXX at this time but XXXX is reporting inaccurately. I applied for credit and was denied due to this forged information placed by Bank of America. Bank of America have since transferred this account. But I need for them to update XXXX. Also XXXX would not let you continue to disputed a item online. I read from one of your consumer letter that they had the same issue. Seems every company treat you however. I 'm just trying to resolve this issue that has cost me a denial at know fault of myself.

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 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my students loans through the government, I selected the 30 year repayment for a fixed interest rate. Late last year, FedLoan Servicing, increased my payment by more than {$50.00} because they said they audited my account and determined I would n't pay it off in the 30 year time window. After multiple phone calls with FedLoan Servicing, they said I could n't do anything, I had to pay the new, increased amount. If I wanted it lowered, I would have to change my payment plan to a standard one ( with no guarantee of the interest rate not changing ) but there was no guarantee the payment would go down. They offered no other options, it was pay it or go in default. How can they raise the payment if it was a fixed payment amount for the entire life of the loan? I was sending extra money each month and they were n't applying it to the principal, as I requested, so the interest was only being altered and not by much. I worry that my payment will go up again in a year or two and already it is incredibly high at {$770.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We never received our property tax check. We called US Bank in XX/XX/XXXX. US Bank told us they were fed exing the property tax check. We never received it, and followed up with US Bank in XX/XX/XXXX. US Bank promised to wire funds directly to the government where the property taxes were to be paid. We received confirmation from US Bank that the property taxes were paid XX/XX/XXXX XXXX. In XX/XX/XXXX we received a notice from our village that the property taxes were not paid. Followed up with US Bank XXXX XXXX. US Bank noticed that only {$80.00} was wired for our taxes. They said they would cover any penalties and pay the taxes. Followed up with village today, XXXX XXXX, and taxes are still not paid. Followed up with US Bank. They are now still researching.

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
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Centron Services (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The account was paid but my credit report has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief