milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: APR or interest rate

Complaint: I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems when you are unable to pay

Complaint: I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Open collections AFNI from XXXX. 
I contacted XXXX on this matter and spoke with XXXX different people. No one could provide any infromation about why I was turned over to collections. When I called XXXX they had all my personal information. Since I had canceled my service over 4 years ago they had no record of my account. At the time of canceling service I was told I would not owe anything as long as I returned the equipment. I returned the equipment to XXXX in the allotted time given. 

I canceled my service with XXXX due to price increase I was no longer under contract with XXXX when canceled I returned all equipment to XXXX I provided my current billing address to XXXX I provided my current email address to XXXX I provided my current phone number to XXXX After all with I never received any emails, phone calls, or bills from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.

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 08/21/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XX/XX/XXXX I leased a car through Honda Financial Services, fast forward to XX/XX/XXXX when I paid {$750.00} to catch up for what I owed for XX/XX/XXXX and XX/XX/XXXX. Everything is paid up and I only owe XX/XX/XXXX payment. I fall behind due to financial hardship issues for XX/XX/XXXX and XX/XX/XXXX. At the beginning of a XX/XX/XXXX I go to my online account and pay the amount listed for {$870.00}. XX/XX/XXXX statement comes out NOT reflecting the {$870.00} payment made in XX/XX/XXXX. XX/XX/XXXX HFS is notified the payment is reversed ( due to the wrong bank account being used for payment in XX/XX/XXXX ). They attempt to call me on XX/XX/XXXX, at the same time they place the car out for repo and send me a letter mentioning the reversal. On XX/XX/XXXX when I go to leave for work at XXXX XXXX the car was missing. I had n't even received the notice about the reversal of the payment and found out that day when I called about it. They gave me NO notice that the car was being put out for repossession before doing so, and placed the car for repossession before I would have even received such notice! The representative I spoke to on the phone today XX/XX/XXXX stated that them trying to call me was the notice even though they could n't get through because of problems with my phone at the time. When the car was repossessed and I called them to see what I would have to do to get it back my ONLY option was to pay {$25000.00} to OWN the car out right which I explained to the woman that was n't realistic because I did n't have {$25000.00} lying around. But she insisted that was the ONLY option to get the car back even though it was going to go on my credit as a repossession. When the car sold at auction it sold for {$17000.00}. My lease loan for the vehicle that I signed the paper work for was only {$14000.00} so when the vehicle sold I should n't have owed ANYTHING. Now not only do I have a repossession that I should n't have had proper notices been given with a timely fashion for a response from myself, but according to HFS I owe them {$9900.00} for the remainder of the vehicle which i was n't FINANCIALLY responsible for via the loan amount for the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, Bank XXXX XXXX, XXXX XXXX, Bankruptcy, The XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And XXXX has never been late

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 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years

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 03/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: I disputed with all three credit rating agencies and American Express, a charge-off/write-off posted by American Express on my credit report. I provided proof of payment that brought my account current as well as paid double the amount of my minimum payments each month. Some payments were made directly on Amex and others as direct withdrawal via their agent XXXX. I was told by Amex 's agent that as long as I kept my account current and paid the amounts agreed upon, Amex would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to Amex Website as well as have automatic withdrawals. I have documentation on Amex paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to american express. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on americanexpress.com. In addition I am paying as posted on Amex 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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: Was not notified of investigation status or results

Complaint: To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to Experian, XXXX, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from Experian stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$680.00} XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$990.00} XXXX XXXX ( Charg e off Experian, XXXX closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.

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 explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I, XXXX XXXX believe that the credit bureaus such as Equifax are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Equifax can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I graduate from college in XX/XX/XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. There are several other accounts that show a XXXX balance, loans that were consolidated and there was never an established payment history. XXXX already cleared the late payments on my XXXX credit report, but did nothing on my Equifax report. These negative items on my credit report hurts me personally, as I am a XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Equifax to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Equifax. All my old accounts that were later consolidated should have all payment histories deleted permanently. There is no excuse for XXXX making such a personal hardship on me, since I have done everything requested of me by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: XXXX   XXXX   notified me that  USAA  is not relaying information timely so it is hindering my use of their services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection on my credit report with XXXX XXXX XXXX. It is concerning equipment from XXXX XXXX XXXX. I had gotten out of the military and was moving back to XXXX from XXXX XXXX. The agent did n't say anything about returning the equipment prior to my military packout. I arrived in XXXX during mid-XX/XX/XXXX and did n't find a residence and receive my housing until XX/XX/XXXX. I immediately dropped off the equipment at XXXX. I started receiving phone calls from XXXX XXXX stating that there was still a debt. I reached out to XXXX to try to obtain some sort of record that I had dropped off the equipment. They stated that there is n't a system that they could use to find the equipment or proved that I dropped it off. They stated that they receive equipment from multiple XXXX customers and place it in one box for shipment.

Company response to consumer: Closed with explanation