milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: During the lease contract, the finance person at XXXX XXXX never went over all the clauses associated to the contract. The finance person was pretty deceptive in omitting the fact that Lexus financial would be charged a property tax by the city of XXXX XXXX when a vehicle is leased. The wording in the clause that I signed made it seem as if the fees imposed are my normal vehicle registration fees I would pay the city which is standard in my state. It even indicated that in the state of Texas we are exempt from property tax. I should not have to pay property tax on a vehicle I do n't fully own. I have never paid property tax on any of the vehicles I have financed and should not be held to a different standard because of a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: Capital One has wrongfully reported credit bureau information. Despite numerous telephone calls they refuse to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Beginning of XXXX 2016 I received a statement from my Synchrony bank direct tire consumer credit card. I noticed that there were roughly {$800.00} of random charges in XXXX florida. I initiated a dispute in the beginning of XXXX and was advised that it could take up to 60 days to complete a fraud investigation. I reached out on XXXX and through their XXXX number and was told this could not be expedited. I spoke with XXXX @ XXXX and also their XXXX # XXXX. Today XXXX, i called to check on the status and was advised the fraud amounts were cleared -- - no specifics on what transactions were removed. I advised that my minimum balance payment and had been inflated due to these fraudulent charges and should not have been as high as the {$96.00} on a {$1000.00} balance. The fraud rep advise it was nothing she could handle and directed me to collections, with whom i was not able to reach. I located my most recent statement today XXXX and noticed charge on XXXX and XXXX that were also not mine. I called the fraud department and was told that a new investigation would have to be opened and take another 60 days. I was treated like this was my fault that i didnt recognize these charges and fraud rep at synchrony was very rude. He said he spoke to an investigator familiar with my case and said she was aware of the fraud charges and noted my account -- - i asked why an investigation or amended investigation did not take place for which the rep has no answer. I believe synchrony bank fraud controls missed out on these additional fraud charges and they attempted to conceal them from me as they were missed from their prior investigation. I believe Synchrony Bank has very poor fraud investigation continuity and most definitely lack sympathy for victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have purchased XXXX XXXX, garage floor coating thru Wells Fargo Bank. There is a warning inside box instructing not to use where direct sunlight will be an exposure. I am unable to give a date guaranteed to beXX/XX/XXXX of this year nor guaranteed to be a certain amount. There are about 20 purchases since XX/XX/XXXX 2016 by visa. The shelf price indicated XXXX dollars, was misled by it and purchased not knowing it. The sunlight is in the closed garage when the door is open. Now when reading instructions, I do not want to use the coating ... I called first the ftc hot line for cfpb reference. Can you help my credit dispute. Will someone show XXXX XXXX is to be removed from public access, or show why it is actually a safe product. It is at my house in the original box. Recycle trash says no hazardous materials.

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 07/25/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my actual name on my name nys id is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX like equifax, XXXX and XXXX has it and i told them more than once to change it and they havent yet i even send them mail and fax with a copy of my XXXX id and my bills with no luck can you guys please help me thanks for your help and service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Managing the loan or lease

Complaint: I took a XXXX XXXX dollar loan in XXXX XXXX and made XXXX Payment totally XXXX dollars I requested a payoff on XXXX XXXX good thru XXXX XXXX XXXX and was advised of a payoff total of XXXX the representative explained that only XXXX dollars was applied over the last XXXX payments. The interest rate on this loan is 25 % apr. I do n't understand how I paid XXXX dollars and only XXXX went to principal. I am paying this loan off on XXXX XXXX XXXX which is over 3 years before the loan maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response. This company has even threatened legal action

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a loan today and was advised that my Equifax report was locked. I have not locked my report or requested for my report to be locked. Equifax has done this in retaliation for pending litigation I have against them. My

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I attempted to contact USAA credit card company. XXXX from XXXX Ky stated that I would only be able to contact a call center and that I would no longer be having access to USAA the company. I explained this is a member only company and you should be affiliated to the military in some form. I am having problems with neighbors attempting to assume my identity. They have had copies of my credit card statements separated. In the past there was a XXXX and I never received it. I was only able to deal with the call center for this as well. I also, got a refund from XXXX XXXX through XXXX in months past that I never received. Now, I am having problems with XXXX orders being charged double. Other orders referenced than supplied by XXXX. I was attempting to get this XXXX order rectified. I contacted USAA because I was notified via email that they suspected suspicious activity. I only wanted to clarify that my reward points are back on my statements. Also, that my credits are not going to one of their employees as I was told they had some problems with employees. I want to know if my bank statements are correct and also that my credits are not going to an employee that has a copy of my credit card that I never authorized. I 'm told a person by the name of XXXX had my credit card in her hand. I place orders on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I referred XXXX persons to apply for AMEX XXXX credit card, and I shall receive XXXX bonus points per person when they get approved. I sent them the invitation email through AMEX system, and they received and clicked the link in that email to apply and they XXXX all got approved for that card. However 8 weeks later I did not receive my referring bonus. I contacted with AMEX and they said there is no record that my friend applied through my referring. I swear XXXX that I watched them click the link in my referring email and then get approved. How could they have no record!!! It must be their system errors or the bank intend to lie for this issue. I learned from social media that I am not the only one who met with this issue with AMEX and I believe that you also received other complaint about this issue. I just want to get the points I should receive. I have contacted with AMEX and they filed a investigation but keeps the same conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My VA home loan was refinanced through XXXX XXXX XXXX ( OCWEN/XXXX ) and closed through them in XXXX XXXX, of 2013. Promising a lower monthly payment, with the majority of the monthly payment being applied to the principal on the loan amount versus the interest. Since refinancing in XXXX of 2013, OCWEN has reported a delinquency on the account since XXXX XXXX of 2013, even though the loan was actively being paid with no late or missed payments. The loan was in OCWEN 's responsibility since XXXX XXXX, 2013. They are reporting my loan as delinquent since XXXX XXXX of 2013 when it was still being handled by XXXX XXXX XXXX. How is this possible? I am now receiving reports of an " approved '' foreclosure process on my property, that is actively being paid. OCWEN is now reporting I am in debt to them upwards of {$47000.00} and has since transferred the loan to XXXX XXXX. They have not only mishandled my payments, they have damaged my credibility as a borrower until this issue can be resolved. I have trusted OCWEN to handle my mortgage appropriately, only to be told that I 've been not paying a loan ( which has been actively paid ), been hassled about imminent foreclosure, and given the run around on any information I try to seek from them. OCWEN will be responsible for bringing my mortgage account to a current paid status, with no faults on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: Paypal opened a line of credit for me by tricking me into opening the account. It was all done online. When I tried to close the account, they said I can no close it. I wanted to transfer money to the account to close it but they are trying to force me to give them my bank account info which I do n't trust them with. They are trying to extort me with late fees and bad credit reports if I did not pay but refuse to allow me all avenues to make payment. BEFORE I was able to transfer money from XXXX paypal account to another to make payment. They have blocked this

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: We did not reaffirm the mortgage of our home when we filed bankruptcy in XX/XX/XXXX. The bankruptcy was XXXX. Several months later, Chase Mortgage began contacting us. After telling them several times it was in a bankruptcy, I found out that Chase had not received the proper paperwork from my lawyer. The lawyer then faxed it to them. However, they continue to call even now in XX/XX/XXXX. Because I am a service member, they can not foreclose and end this. I do n't want a foreclosure on my record in addition to a bankruptcy anyway. I want to begin repairing my credit from the bankruptcy XXXX in XX/XX/XXXX but Chase has not cleared my account. There has also been a change of address to a XXXX entered with Chase by someone, neither me nor my ex-husband. Now, mail sent to that address is being returned to Chase as well. We suspect foul play there. Regardless, within the Chase company, there appears to be poor communication and practices. They are not making an effort to research documents sent to them and clear my account. As a servicemember, I will have to have a security check in the next 2 years ( checked every XXXX ) and an outstanding mortgage debt of this size for this may cause me to lose my security clearance,

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with LPSG (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call a few months ago, stating that I was going to be served paperwork at my place of employment for a debt that was 8 years old. They insisted that if I did n't pay that day they would garnish my wages via service from a uniformed officer. I asked for written confirmation of the debt believing that the debt was out of the statute of limitations and they would not provide that to me, they emailed me a letter that looks like it was written in word, they have a fake one page website and their phone numbers are n't traceable online. They have withdrawn almost XXXX from my bank account. I became suspicious when the debt was not listed on my credit bureaus. Also I am not able to find any documentation at our home of official correspondence that we had been properly notified. They claimed I had a judgement pending and that there was garnishment language.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (WA).
Issue: Trouble during payment process

Complaint: To Whom It May Concern : On XXXX/XXXX/XXXX my loan was transferred from XXXX XXXX to SLS as the new servicer, although XXXX XXXX still retains the rights to the loan. I continued to make my payments and have never missed a payment. I have attached cancelled checks to verify this being the case. On XXXX XXXX XXXX I was notified that a XXXX day late was filed by SLS onto my credit report, I called and talked to XXXX who found that they had misapplied my XXXX payment to my escrow account even though my account is impounded. She stated she could have this immediately corrected and filed a ticket to have this reversed. She assured me in would be completed no later than the XXXX of XXXX. On XXXX XXXX, I called back to SLS and was told by XXXX that the ticket had been completed and I would see a correction on my credit report on the XXXX XXXX, XXXX reporting. I explained to her this was not acceptable that I was in the process of trying to obtain a loan and that this erroneous late has now caused me harm. I asked her to have this corrected immediately. I was then contacted by the Office of the President who apparently handles complaints. I was told that they would send out a Mortgage Verification confirming that this had been corrected. On XXXX XXXX XXXX I received the Mortgage Verification that clearly shows me having a XXXX day late. This needs to be reversed immediately and SLS needs to assure me with written verification that this has been corrected. My credit score has plummeted by more than XXXX points and it has now caused me to be turned down for financing with my business. This has caused me irreparable harm and this company needs to be held accountable for their actions and failure to correct their errors. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Loan # 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 04/28/2016 about Debt collection (Medical) with RSH & Associates, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with TD BANK US HOLDING COMPANY (MO).
Issue: Delinquent account

Complaint: I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Creditor tried to contact me by calling my boyfriend, whose number I never gave to the company. They tried asking him personal information about me that included my date of birth and SSN

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with APEX Asset Management, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Apex Asset management LLC XXXX XXXX  XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls. 
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay????? 
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor. 
I appreciate you help in this matter. 
Thank you

Company response to consumer: Closed with explanation