milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Lease) with BRite Financial Services, Inc. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Approximately 21 months ago, I purchased a new-used vehicle from Car-Rite in XXXX, Michigan. First, consumers should be protected from dealerships who sell lemon cars and cheat people out of their monies by handling them as a low life in setting them up with a company called Brite Financial.

When I first purchased the vehicle, I was set up for payments weekly, when I get paid bi-weekly. I was told by the dealership that all I had to do is call Brite Financial " Brite '' and they will change the payments. I did so, to no avail. When I called the company I was given different and incorrect information. I had auto pay that was to take money out of my account on the pay period. Because they were taking the monies out on the wrong date, it was causing the funds to not be available. I then called to cancel auto pay to pay on my own. I was then told that I was {$800.00} past due. Which I knew nothing about, because I had made arrangements and changed my payment to bi-weekly. Brite disabled my vehicle. I brought the account current and continued to make payments timely. I have never missed a payment for almost two years. My payment onXX/XX/XXXX I was unable to make my full XXXX payment and paid XXXX with the intent to make the payment the following week. I went to go to work XX/XX/XXXX and had XXXX towing to come and jump start the vehicle. I did not think it was the battery because I had to purchase a new battery in XX/XX/XXXX. When I contacted Brite, they never attempted to contact me but indicated because I did not pay the full amount they disabled the vehicle for the second time. Not only had I to put thousands of dollars into a vehicle that only had 30 thousand miles, the vehicle has had engine problems, brakes, rotars, tires and shocks. I was told because my vehicle was disabled previously that I am in their system, if I do n't make one or all the payment, the vehicle automatically is disabled. Brite discriminates against its customers in that certain people and customers vehicles are disabled. I was told they have no grace period and the vehicles are automatically disabled even if they make timely payments, or partial payments. I would like a thorough investigation that this a their procedures to all customers who have missed or been late with a payment. Even after making a payment, the customer service representative told me that I had to make arrangements for the next payment because my account is automatically flagged. I asked what would make them believe that I would not make the payment and was told because my car is flagged to be disabled when a payment is not fully paid or partially paid. My payment was XXXX and I paid XXXX on the due date and two days later, they disabled my vehicle. I was unable to go to work and missed 4 hours of work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I bank with Bank of America and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo " hard post '' to yesterdays bill. 
On top of that I never received a text from Bank of America notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to " warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.

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 07-04-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I had a savings account and debit card with TD Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees TD Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. TD Bank instructed us to file a police report XXXX which we did. An investigation by TD was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a TD Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but TD Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clark County Collection Service (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to dispute this before with XXXX, but they apparently do n't want to hear the truth. Clark county collections is saying I owe them XXXX from an original XXXX XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian sent me letter in response to dispute about to collection accounts saying that I need to give them proof like a cancelled check, letter of discharge from bankruptcy or letter from the IRS, however I submitted a copy of my letter from the IRS stating that I 've been the victim of identity theft. This was my second dispute, for the first one I was given a letter saying the account was " Verified '' however, they refused to provide any proof. I contacted them to explain to me about verifying the account, they stated they would put a fraud alert on my account and look into it.

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 11/23/2016 about Bank account or service (Other bank product/service) with KEYCORP (MI).
Issue: Account opening, closing, or management

Complaint: I called to get a auto loan payoff letter on XX/XX/2016. I was told on the phone that the letter had been ordered and that everything was taken care of. I was not offered the opportunity to fax or email the request for faster service. On XXXX I called to ask about the letter, but they said it would take several more days. I was told at that point I could fax a request in and they would turn around the request in two business days. I needed the letter that day in order to get the mortgage I had applied for. I was not offered any sort of opportunity to speak to anyone who could or would expedite the process, and when I asked about having called the previous week in order to request the letter and had not been given information that would have allowed the process to be more efficient at that time, I was told that it made no difference and there was nothing they could do. Key Bank cost my my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/29/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Closing/Cancelling account

Complaint: I opened an account with Washington Mutual in XXXX XXXX. My last statement with WAMU was on XXXX XXXX, Chase Bank had bought out WAMU. 
Chase raised my interest rate from 8.95 to 10.24 and also dropped my credit limit from {$4200.00} to {$4000.00} when I was close to that limit. 

My Chase account was closed on XXXX XXXX. Amount on my account at the time was {$4000.00}. For 4 months after my account was closed, interest and fees totaling {$390.00} were added. My credit report showed that Chase " charged off '' {$4500.00} which is {$140.00} more than what they reported was " charged off '' and {$530.00} more than what my account was closed with. 

I had spent some time in the hospital and was trying to work out my debt with Chase. I asked them to change my due date to XX/XX/XXXX, since that was when I was paid. The Chase employee told me that " I was wasting their time making minimum payments ''. 

Chase sold my account to XXXX, a collection agency. The first letter I received from XXXX was in the amount of {$5200.00}, which was a lower amount on my credit report. 
The {$5200.00} is {$760.00} more than Chase had " wrote off '' and {$620.00} more than what Chase had reported was " charged off ''. XXXX should of never been able to add that much. I was n't using the card and the amount on the card was going up faster than when I was using the card. I dealt with XXXX and they took their name off my credit report. 

Chase reported 2 times and XXXX reported 1 time. This was XXXX strikes against me and I was a homeless Veteran for 36+ months because of this error and lack of communication. 

Chase claims they " report accurate information '', I guess more than one time, if they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Taking out the loan or lease

Complaint: When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: Due to XXXX XXXX XXXX cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from XXXX XXXX, 2016. Discover has engaged in a collection campaign with early phone calls ( XXXX ) and e-mails. 
I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken XXXX or more Federal consumer Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid this debt XX/XX/XXXX to Holloway Credit Solution, LLC, the same day I was contacted, I open this account in XX/XX/XXXX. On XX/XX/XXXX, Holloway Credit Solution LLC, call me from this number XXXX, threating me about she had the papers coming to my job, after that did not work, they found this old collection and placed it on my credit report, causing me to lose XXXX points off of my score. I did disputed it but it is still remain as fact. XXXX reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My payment for  Navy Federal CU  was due  XXXX   XXXX . I had other payments to make besides  Navy Federal si nce this account is closed. So I paid {$20.00} on the  XXXX  and   XXXX   XXXX   XXXX    for  my  XXXX  payment. Then I followed up and sent  two  more payments on the  XXXX  and the    XXXX   XXXX   XXXX     equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the  XXXX  they reported to the credit bureaus that I was 30 days late for  XXXX  which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover   XXXX   XXXX   bill to {$74.00} owed and  XXXX   XXXX  just passed so how can you add  2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m  e. Navy Federal c an not do as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with Penn Credit Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: BELOW IS THE EXCERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated XXXX XXXX, 2015 pertained to a demand for validation. Your company 's response dated XXXX failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. This is a blatant violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Information - Preauthorized Checks - XXXX XXXX, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.

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