milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Consumer Loan (Vehicle loan) with UMPQUA HOLDINGS CORPORATION (CO).
Issue: Taking out the loan or lease

Complaint: *I was a XXXX XXXX under my company ( XXXX ) when got in agreement with another XXXX ( XXXX XXXX ) to buy from him XXXX trucks ( XXXX XXXX XXXX & XXXX XXXX XXXX ). 
* I contacted " XXXX XXXX XXXX '' for financing as they called me before offering equipment financing. 
* After setting the price at XXXX for both trucks I received an offer On XXXX/XXXX/XXXX from XXXX to do such financing. ( see attached ) * For some reason XXXX used another company called " Financial Pacific Leasing to close and start the relationship. 
* After paying XXXX as at front fees and the last payment of XXXX the deal was closed and I received those trucks and XXXX XXXX was paid XXXX. I started making monthly payments of XXXX from that day. 
*On XXXX of XXXX I was notified by XXXX that my contract was terminated and not willing to renew, and I contacted Financial Pacific Leasing to know my balance on the account because they never disclose that on the monthly statements ( see attached ) and they told me the balance was so much higher of the original amount financed and said my only option was keep making monthly payments or to pay the sum of all monthly installments in XXXX single unrealistic payment. 
* Even with that response I 've been paying XXXX a month not using those trucks until XXXX. 
* On XXXX I called Financial Pacific to inform them I was having difficulties to afford the payment and asked to do something with my balance because by that day I had paid XXXX and I was told that the remaining balance was close to XXXX and the only option was paid the whole amount, this is totally unfair and deceptive. 
* After many aggressive calls from pacific leasing on XXXX/XXXX/XXXX they send me an addendum setting a new monthly payment of XXXX for the next XXXX months and I told them I was n't able to afford it because I do n't have a contract or use for those trucks ; even that I told the representative might try and when I returned that addendum they said it was to late and I 've to pay the entire amount of XXXX. ( see attached ). 
* On XXXX XXXX I received by mail a very intimidating letter from " XXXX XXXX '' Attorneys at law requiring the payment of XXXX plus late and attorney fees making me and XXXX XXXX personally responsible instead of my company XXXX. ( see attached document ) * After all efforts to honor that contract I 'm still owing more that the original loan amount with no escape of paying with their tough terms, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I recently called Navient, my private loan lender. I told them that at this time I make about {$300.00} less than what I need to make to cover all my other living expenses. I told them I have proof if need be. The woman I spoke to added all my current bills, added them up and told me the best she could do is {$200.00} a month. If I pay this I will have to sacrifice something I actually need, like gas money, my phone or food. I have no family to help me and I do n't live some extravagant lifestyle. I told her I could pay her {$100.00} now because I just got my taxes back and I could try to do so every month until my circumstances got better. I have been looking for both part time evening work and other substantial gainful employment since I graduated in XX/XX/2014, but I have had no offers. I have proof of how many applications I have sent as well. She told me that it would n't matter and that my account would still go delinquent and eventually get " charged off ''. I am trying, I ca n't do much more than what I am to get better money to pay these bills. I want to pay something but it does n't seem to matter and I 'd basically be wasting my money anyway. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with Alliance Data Card Services (LA).
Issue: Other service problem

Complaint: See attached series of emails sent to   XXXX   XXXX    customer service. I purchased a diamond ring from   XXXX   XXXX   in  XXXX  and was promised on the day of purchase a 8.9 % money back within 30 to 50 days. I was later told by  XXXX  's customer service that the payback period is 90 days. It has now been 148 days and I am now out of pocket over {$600.00}. This is fraudulent promises. My internet research shows that I am not the only one with this complaint. I realize that the initial promise was made in  XXXX  and may be out of the US jurisdiction, but I have hopes that a complaint can be generated since  XXXX  home office is in New York. Their address is   XXXX   XXXX   XXXX   XXXX    XXXX , NY  XXXX . I also realize that the money back program is a  XXXX  government program. But,   XXXX   XXXX   is surely well aware of the problems with this program while making false promises to US citizens in order to make a sale. I have also attempted to contact   XXXX   XXXX   XXXX   as they are the ones who vouched for   XXXX   XXXX   as a reputable company prior to me making the purchase.  XXXX  has been non responsive.

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. (GA).
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: Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.

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 07/19/2016 about Consumer Loan (Installment loan) with Applied Data Finance, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Can't stop charges to bank account

Complaint: XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The  Compa  ny : Enhanced Recovery  Co  L  address:  XXXX   XXXX   XXXX   fl  XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

Thanks 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 09-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!

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 03/27/2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Balance transfer fee

Complaint: My card ending in XXXX I was approved for a Barclaycard on XX/XX/2017 I was asked if had a transfer 0 % Int. I did, to XXXX XXXX for {$4800.00} XX/XX/2017, Went on line did not see the transfer. 
Used the card on XX/XX/2017 and saw the transaction of {$55.00} to XXXX Still did not see the transfer of {$4800.00} About three weeks after approval I see the transfer of {$4800.00} to XXXX XXXX, XXXX times $ XXXX.= total of {$9600.00} I called after sending 4 emails and no respond. 
Lady said that Indeed looks like an honest mistake/Error. 
Lady on the phone said if I return the {$4800.00}. I will get the transfer fee of {$140.00} back and only pay XXXX transfer fee, since it was an error. 
I made a payment of {$4800.00} to them online. the XX/XX/XXXX I called today to make sure I get back my fee back on the error transfer. 
Another person on the phone said I will not get any fees back. 
I want my {$140.00} back for the error transfer that it was made.

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 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Richland Holdings, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! 

REFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. 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 11/27/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,

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 09/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) purchased a debt that originated with Citibank South Dakota. Citibank South Dakota was merged with Citibank NA as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XXXX/XXXX/XXXX ). My XXXX report dated XXXX/XXXX/XXXX shows the account being reported with XXXX will fall off on XXXX and XXXX XXXX it shows it will be on my report until XXXX. This debt had a 1st delinquency date in early XXXX, with a charge off date with Citibank South Dakota much earlier than when reported by Citibank NA. I disagreed with the balance that XXXX is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus XXXX, XXXX and XXXX XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XXXX/XXXX/XXXX, a new merged credit report was pulled showing all XXXX credit bureaus - the XXXX debt is now reflecting a last delinquent date of XXXX, a last payment date of XXXX, and a last activity as of XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like XXXX to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

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 09-01-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. 

the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. 

On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
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: I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

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