milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I purchased my auto from Nissan and financed the sale via Nissan Finance. I elected the FinanceSignatureDIRECTPAY system which allows for automatic payment withdrawal from my bank account. Nissan Financial has been taking my monthly payments directly from my bank account since the sale was made. For some reason - they say my paper work was late I say they delayed processing it - the first payment was delayed and therefore some subsequent payments, according to them, were late. Nissan Finance has been taking all payments out of my checking account on the XXXX of every month, none of those payment were late ( see attached payment record ). This problem is a bookkeeping issue on the part of Nissan Financial and should not affect my credit history. I made an " extra '' payment to this loan to fix the bookkeeping error on XXXX/XXXX/2014. Please have Nissan Financial correct the information they sent to the credit reporting agencies post-haste. 
Enclosed is a copy of my payment records from Nissan Financial 's web site supporting my position. Please investigate this matter and contact the national credit reporting companies to which they provided this information to have them delete the disputed item [ s ] as soon as possible. 
I tried to resolve this issue with your phone customer service reps to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Late 2016, Comenity Bank/HSN closed my account without cause. I had been paying on the account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.

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 06-04-2017 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: Investigation took more than 30 days

Complaint: I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 ) r eported it as fraud  3  ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.  <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have  2  reports, I then sent  TWO  letters  (   XXXX  and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because :  1 ).  They claimed it is a fraud account but also said they were able to validate it.    2 )  The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Application, originator, mortgage broker

Complaint: Applied for refinance on home with Wells Fargo. After two months and {$600.00} later on my closing date, I was told I did not meet the requirements for a HARP loan. They knew this within the first five minutes of the first call to them. My credit score was XXXX points to low to even be considered for a HARP refinance loan. Yet, the had me faxing, running up to the bank, copying and sending, emailing etc. for two months leading me to think I would be approved. I feel I was taken advantage of and scammed of my {$600.00} thru unethical practices they have going on.

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 08/29/2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Other

Complaint: Chase bank is charging me 17.10 % interest on this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Money was not available when promised

Complaint: I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a XXXX/ XXXX XXXX XXXX credit card account in XX/XX/XXXX. There was no interest rates due that I was told. I was making timely payments on account until they XXXX XXXX on balance on account and never credit payments towards account. I have been disputing off and on since XX/XX/XXXX and XX/XX/XXXX now XX/XX/XXXX. I have sent proof of a letter from Sams Club crediting my account in the amount of {$770.00}. This is admitting they made a mistske on account. Otherwise they would never have credit my account. I also have a letter on the interest rates. They have made my credit XXXX by reporting a false report on my credit report. I am not able to get or do anything for three years. I need them to either correct my account or take their name off my credit report. 
I also have a Walmart credit card by same bank. I have been making my payments on Walmart since I opened in XX/XX/XXXX never late. So this shows proof I do pay my bills. This company is violating the fair credit reporting act by reporting an account where XXXX XXXX XXXX have no paperwork to show the account. 
I declare under penalty of perjury under the laws of the state of California that the above is true and correct of my own knowledge. God Bless Sincerely, 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 03-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Denied account with bonus offer. 
1. I responded to Wells Fargo 's {$250.00} bonus offer ( XXXX ) requiring an online application ONLY. 2. I submitted the very simple application and got immediate emails saying to wait a few days for a mailed-in packet, etc. I was provided an application reference number and the steps and timetable for the bonus. [ 3. The application included a question about a family address literally from the 1970s. ] 4. Later I received an email saying, oops sorry, but please go into a branch to " verify '' information. 5. I went into a branch and was NOT successful in completing the account despite the reps Best efforts, no explanation, except she stated than an account " XXXX '' could n't be verified. I 've never heard of an account or company with the initials XXXX. 6. The banker claimed to be unable to provide further details. 7. 8. The banker also stated that I would NOT be eligible for the bonus, as had told her that when I attempted to redo the application the Page is Not Found. 9. I used my XXXX account to fund the opening of {$50.00}, and it was not subtracted from my account. 
10. I am well aware of Wells Fargo 's extreme practices and discrimination, but I chose to go for the bonus anyway, as is my normal practice. My accounts are clean. My debts is XXXX. My credit score is excellent. So I am very interested to see their explanation for denial of services. Thank you very much.

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 11-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Other transaction problem

Complaint: XXXX I call XXXX for Tech support because I was having problems accessing emails the tech support who said he was XXXX said needed access to my computer and after 4 hours said I needed updates and would cost {$9.00} to XXXX billing so I gave them my credit card # that XXXX has on file XXXX I was notified by Western union of a charge for {$900.00} I called XXXX again said they have no record of my call to them on XXXX Only XXXX when I call them again because problem not fixed - they ended up fixing problem XXXX I call my credit co. who cancelled this card and sending new card Also credit card co said some other charge of {$320.00} for XXXX no sure what XXXX I called XXXX told of the problem that some how someone can access your tech support system - they said look into it

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I have been trying since XXXX 2016 to get my deceased husband 's name removed from our joint contract with Nissan Motors Acceptance Corp ( NMAC ). I have documented numerous calls to NMAC, have sent all requested forms to them as instructed, and have made follow-up calls to check on the progress of the change. As of today, XXXX XXXX, NMAC has still not initiated the requested change. 
In the meantime, I ca n't get anything done regarding the financed vehicle, including renew the license plate. As of XX/XX/XXXX, I am illegally driving with an expired tag. I am a widow, have nobody else to drive me and do n't have an alternate vehicle to drive. I am desperate. 
In an attempt to escalate my complaint, I contacted XXXX XXXX Consumer Affairs on XXXX XXXX. Today, I received a callback from them. They claim that they have no affiliation or control over NMAC, and therefore ca n't help me. 
I have exhausted my efforts to get this resolved. NMAC has complete control over this horrible situation and is exhibiting no concern for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went online to view my credit report for XXXX  and Equifax and it keeps saying every year I have to mail in stuff when I never got to see the information on report

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: OWCEN made an error on my XXXX XXXX, 2016 and XXXX XXXX, 2016 account statements claiming I made an underpayment for the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment due dates, when in fact I overpaid each monthly payment. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. I used OCWEN 's automatic payment system and instructed the OCWEN payment system to initiate a payment from my Bank Checking Account the sum of {$650.00} on XXXX XXXX, 2016 which did occur. However, the XXXX XXXX, 2016 OCWEN statement says that it applied an amount of the {$650.00} that was less than the required payment of {$570.00} and that I have underpaid my mortgage obligation by displaying " Prior Payment Shortage '', even though the balance of the payment was applied to principal. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. The auto payment amount that occurred on XXXX XXXX, 2016 was {$650.00}, however, the XXXX XXXX, 2016 statement says that I underpaid again and did not meet my obligation, even though the sum of the payment applied to the obligation and the excess principal payment exceeded the required monthly payment. I requested on XXXX XXXX, 2016 that OCWEN issue a corrected statement for both XXXX XXXX, 2016 and XXXX XXXX, 2016 but OCWEN 's representative ( I have the representative 's name and OCWEN Id number ) has refused to do so. The fact that my HELOC statement incorrectly shows on two occasions that I have underpaid by stating " PRIOR PAYMENT SHORTAGE '' will affect my credit rating. The above situation is apparently is a Payment Processing malfunction and I would suspect less knowledgeable Debtors would be unable to identify the error on OCWEN 's part and have their credit ratings unduly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with Alliance Data Card Services (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX  While XXXX debt collection may be a legitimate company, the loan itself does not exist and has never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Actually several things have happened. In XX/XX/XXXX, a report was filed on my credit report that I was 30-60 days late in a payment. However, a couple of weeks before the payment was due, I called them, Synchrony Financial, and told them I was expecting a paycheck to come after the due date and I needed to ask for an extension on the due date. I got no written confirmation, however they said they understood. I paid a couple of weeks late and few weeks later, the complaint showed up on my credit report, causing a pretty big drop in my score. <P/>This past XX/XX/XXXX, I made a payment for the month of XXXX. On XXXX XXXX, I went back and made a payment for XXXX. This month ( XXXX ), I logged in to make my payment and lo and behold, they are charging me for two months with a late fee. <P/>The final straw, I uncovered while noticing the late fee. The products ( furniture, half of which that fell apart and they offered no recourse or refund at the store ), had just passed the time for no-interest accrual this month. At an insane 28 % interest rate, and about {$1600.00} left on the balance, the interest charge should have been an astronomical amount of {$440.00}. However, they charged me {$900.00}!

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 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am recently divorced. My ex-wife and I both purchased automobiles through XXXX XXXX XXXX on our own individual cognizence without involving the other party. XXXX of these debts show up on my credit report. She is responsible for her own debts in the settlement order. The load she made at XXXX is the responsibilty of XXXX XXXX alone. Please tell me how to get this removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is representing the original creditor XXXX this is the first documentation that I have received of this alleged debt of {$920.00} I feel that I 'm not obligated to pay this debt being that it is not mine and I have received no correspondence at all regarding it I do not know when this debt occurred or why. I am a XXXX Customer wirelessly and residential if I had outstanding debt with XXXX in any aspect I would not be able to have service with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Went to XXXX XXXX that was sued and mislead Students in their education that is considered a non credited institute with most major colleges, university or unable to locate empleoyment and now currently was shut down and close. Now trying to repay the loan that is no longer valid and since is a private loan with high interest the load hardly goes down and also dealing with federal loans as well

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Account opening, closing, or management

Complaint: citi bank did n't response to my argue sent on XXXX regarding to Case number : 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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to get my credit report from tranunion online for over three months, I have spent in excess of 20 hours on the phone with them. I keep getting an error saying they ca n't access my account with the information supplied, it does not ask for any information just ask me to log in, I have verferd the correct address is on file with them my name is spelled right. Trans union keeps saying try in 24 hours yesterday they said someone would call me within 24 hours and no one every did.

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 09/23/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, I sent a payment of {$400.00} through PayPal to my daughter. I, later that same day, sent another {$400.00} in error because I did n't think the first {$400.00} had transpired. 
I cancelled this last {$400.00} and my daughter also refused the payment. Paypal continues to take that {$400.00} out of my checking account regardless of assuring me that the payment was cancelled. They are now also taking an additional {$400.00} out that was never received by my daughter. They tell me because my bank refuses payment they will continue to withdraw the funds even after it was cancelled and refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 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: There are many mistakes appear in my report without my understanding.

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