milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Vehicle loan or lease (Loan) with High Performance Capital (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing

Complaint: Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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: XXXX/XXXX/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.

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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Disputed with all XXXX bureaus in reference to several accounts. XXXX student loans showing late payments and XXXX collection accounts. All XXXX bureaus repeatedly show different information. Requested information directly from the creditors and nothing received it 's been well over 2 months. If the companies are not responding to me directly then they would not respond to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion and XXXX are reporting a new account open as of XXXX XXXX from XXXX XXXX. The account was open XX/XX/XXXX and the payments are almost over not just beginning. I have contacted XXXX XXXX and the were very helpful and said the would call the reporting agencies and see why this mix up happened. My credit score with both of these places has dropped XXXX points due to this and again - I am having to dispute incorrect information on my report. I have contacted both agencies and Trans Union sends me of a copy of my report. I do not need yet another copy of my report. I want to know if this is what is lowering my score as there is not ONE change on my report other that this mis reported item I need specific details not an innacurate copy of my reportI am getting very frustrated with all XXXX of the reporting agencies for their failure to not only report correct information but for also their lack of diligence to fix the errors. I have been working on my credit for over 5 years and find this extremely frustrating and feel there should be legal recourse for these issues.

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 12/20/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Shopping for a loan or lease

Complaint: A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In the last few months of  XX/XX/XXXX ,  XXXX   XXXX  raised our monthly payment for account #  XXXX  by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and (  2 ) had never been used one time  in the 4 years that we had it. Because of this mystery rate increase, we were advised by  XXXX  to remove the phone line from our account, which made sense to us, so we agreed.  XXXX  was never able to accomplish their side of the agreement and the extra charges continued to  two more month. After three long phone calls, with no success, we decided that the  only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on  XX/XX/XXXX  ( see attached ). I 've been receiving threatening mail from  Credit Protection Association, L.P. ( see attached ) ever since that time,  even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get  XXXX  to stop bothering us about it and that did n't work either.

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 Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Using a debit or ATM card

Complaint: I had an checking and saving account with Huntington Bank. I noticed charges were made on my account that I did not authorize. I called twice to cancel my card, change my address and submit a dispute of unauthorized charges. I was told both times it was taken care of and it was not. I then had to go in a branch to finally get it taken care of. I was denied on my despute of the unauthorized charges because they said I had my card on hand. Of course I did but that did n't mean my card number was not stolen and someone was using it. A month or so prior I also called and asked to cancel all of my checks because they were stolen and unauthorized charges were on my account as well. The repersentive I talked to only canceled certain check numbers which is not what I asked. When I went on my account and looked through the history of my account there was checks written and the money was taken out of my account. I was denied by Huntington because they said I never called to cancel my check books, which I did as well as denied numerious charges I never made because I had my card on hand. Someone got my card number and made charges I did not authorize as well as my checks that were supposed to be cancelled. This was months of disputes, a lot of money stolen from me and the account remains closed with me owing over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted Experian, and XXXX on several occasions more recently on XXXX XXXX, XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XXXX XXXX, XXXX, I will file a civil claims lawsuit against Experian, and XXXX Credit Reporting Agency.

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 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never been able to get a clear explanation from the creditor XXXX as to what these charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, XXXX 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 02/15/2018 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Zwicker And Assoc. out of XXXX, Ma are attempting to collect on an account that I defaulted on with XXXX XXXX. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX / XXXX / XXXX  at  XXXX   XXXX  from phone numbe r   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of Army & Air Force Exchange services. This is starting up  I feel because I have in placed a formal review with  XXXX  for the negitive reporting done b y Army & Air Force Exchange Services  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XXXX / XXXX / XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my p ast 2 ( two ) Federal tax returns. These payment are made directly through EFT to thi s company out of my  XXXX  check fro m SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.

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 04/26/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Credit card) with P&B Capital Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.

Company response to consumer: Untimely response