milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/17 I went to XXXX XXXX XXXX in XXXX, NY to purchase a used XXXX XXXX XXXX car which I saw advertising in the XXXX XXXX Website for sale at {$4900.00}. The salesman told me that the car was being cleaned and it was not in the lot and if I was interested in the car, he would start the paperwork and I could come another day to finalize the purchase. I posted a downpayment of {$2500.00} for the car and we agreed that the dealership will be taking my old car for a price of {$300.00}, bringing my downpayment for the car at {$2800.00} He proceeded to take my information for financing the car. I was told that I was approved for the car loan and I will be paying {$230.00} a month for 36 months. On tuesday ( XX/XX/17 ), I went to pick up the car and I asked for the paperwork to be signed and I was told the same information as provided that Saturday ( XX/XX/17 ), and that the application was filled out on line and that I will be getting a phone call from the Financial Company to verify the purchase of the car. Later that day, I received a call from Credit Acceptance to verify that I have purchased the vehicle at the same time I asked for a copy of the paperwork and I was told by Credit Acceptance that the Dealership was responsible for providing copy of the contract. I called the Dealer again and I was told that a copy will be mailed same day. 2 weeks later and after opening a claim with Credit Acceptance Customer Service Area, I received a copy of contract in the mail and found the following : 1- The Car Sale Price in the contract was inflated by {$3000.00}. Car was advertised for {$4900.00} and that was the agreed at the time of the sale. <P/>2- The last page of the contract shows my signature which is not my signature. I am certain that the signature was copied from the trade of my car form. I traded my old car at the time I picked up the XXXX XXXX. <P/>
3. The contract life of the loan is showing 57 payments at {$230.00} instead of 36 months as agreed by both parties.
<P/>I went to dealership to show the discrepancy in the car sale and I was told that there is a dealership fee and an extra fee from Credit Acceptance for the loan. That information was never told neither is showing in the contract. <P/>I submitted another claim to Credit Acceptance Corp. on XX/XX/17.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard inquiries.

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 09/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.

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 05-02-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My request for a free credit report from Trans Union was denied online. So I hope you can help me figure out what is wrong with my credit and why I can not get a free credit report since I have a right to get this.

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 02/17/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: chase closed my credit card account which had XXXX balance without notifying me. i had accumulated {$150.00} dollars in credits which were forfeited upon closure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit line increase/decrease

Complaint: Discover card reduced my credit line without the required 45 day notice as required in violation of Section 226.9 ( c ) ( 2 ) ( vi ) in an attempt charge me an over the limit fee by putting me below my current owed balance. 226.9 ( c ) ( 2 ) ( vi ) states : 9 ( c ) ( 2 ) ( vi ) Reduction of the Credit Limit Consistent with the XXXX 2009 Regulation Z Rule and the XXXX 2009 Regulation Z Interim Final Rule, the Board proposed to retain 226.9 ( c ) ( 2 ) ( vi ) to address notices of changes in a consumer 's credit limit. Section 226.9 ( c ) ( 2 ) ( vi ) requires an issuer to provide a consumer with 45 days ' advance notice that a credit limit is being decreased or will be decreased prior to the imposition of any over-the-limit fee or penalty rate imposed solely as the result of the balance exceeding the newly decreased credit limit. The Board did not propose to include a decrease in a consumer 's credit limit itself as a significant change in a term that requires 45 days ' advance notice ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.

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 12-01-2015 about Consumer Loan (Installment loan) with Sunset Management, Inc (GA).
Issue: Managing the loan or lease

Complaint: I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XXXX/XXXX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special XXXX XXXX Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY MONEY.

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 06-09-2015 about Debt collection (Federal student loan) with Ceannate (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a Garnishment Hearing Decision on XXXX XXXX, 2015, from the Department of Education, for my Student Loan Debt..They decided that I owed {$24000.00} for the outstanding principal and {$13000.00} in accrued interest. The Dept. said to call them to make " reasonable and affordable payment arrangements. " ( see attached documentation ) When I called the Dept. of Ed today, they referred me to a collection agency " FMS Investment Corporation ''. I called FMS and a man told me that I owe them " {$47000.00} ''. I pressed this man to answer where the extra {$10000.00} in debt came from, since the Dept. says I only owe {$37000.00}. The man said it was in penalty and collection fees. I told him I would get back to him after talking to Senator XXXX office, because something did n't sound right. XXXX XXXX in the Senator 's office referred me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted a previously deleted item and refuses to remove it but sends a response that this has been verified. 
Attached are my credit reports that prove this information was found to be incorrect and removed from my credit report. 
I spoke to XXXX at Equifax XXXX reference number XXXX who also confirmed that the bankruptcy was removed off my record and reinstated WITHOUT proper notification on XXXX/XXXX/XXXX. 
Attached is credit file from XXXX/XXXX/XXXX Confirmation # XXXX that lists the Bankruptcy Filed XXXX XXXX, Also attached is credit file XXXX/XXXX/XXXX confirmation # XXXX with the Bankruptcy REMOVED, credit file XXXX/XXXX/XXXX confirmation # XXXX has the account reinserted to my credit record. 
This is against the law and needs to be removed from my credit report immediately. If this is not removed off my credit report by XXXX/XXXX/XXXX I will be filing small claims action against Equifax. 
DO NOT RESPOND THAT YOU HAVE VERIFIED THIS ACCOUNT, THIS IS NOT THE ISSUE. THE ISSUE IS YOU BROKE THE LAW BY REINSERTING THIS ITEM TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Account opening, closing, or management

Complaint: My checkng account with navy federal was deactivated because I defaulted on a credit card product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with SECURITY CREDIT SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the Equifax website set up for the express purpose of confirming whether or not individuals in their databases had their information compromised in the recent large scale data breach, I am one of the affected individuals. Considering the magnitude of the breach, as well as the sheer breadth of the information I now know is compromised, I feel that this was a blatant disregard for the sanctity and security of my personal information by a company that should have had appropriate safeguards in place to prevent such an occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus XXXX XXXX XXXX XXXX Experian XXXX asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau XXXX XXXX XXXX responded by deleting the said file from my 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
Consumer complaint received 09-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with We Collect Inc (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was discharged in a Chapter XXXX bankruptcy and the original creditor -- XXXX XXXX reports I do not owe them anything. This still shows as an open collection on my credit even after bankruptcy. 
Please contact XXXX at XXXX XXXX for verification. 
I do n't owe this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with NorthStar Settlement Services, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: NorthStar, called me twice asking for my sister. I dont know where she is, I have talked to her in years. I told the company twice that they need to stop calling my phone number. I even asked how they got my number and the man hung up on me. What kinda business these people are running? Is this even legal?

Company response to consumer: Untimely response
Consumer complaint received 11/18/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Can't stop charges to bank account

Complaint: XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.

Company response to consumer: Closed with explanation