milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have been receiving constant aggressive collection calls from Credit Acceptance since XXXX XXXX XXXX threatening to disable and repossess my vehicle. My vehicle was repossessed XXXX/XXXX/XXXX and redeemed on XXXX {$43.00} represent partial payment for repossession fee altogether total of {$520.00}. They after I redeemed my vehicle did set a payment arrangement of {$300.00} of which {$19.00} was being applied to the remaining repossession fee. I had a family emergency in the month of XXXX and I mailed my monthly payment to them in the amount of XXXX which still satisfied my regular monthly payment of {$280.00} plus {$10.00} extra applied to the repossession fee. The payment agreement monthly schedule was to be paid on the XXXX of every month in the amount of {$300.00} until the repossession fee was satisfied. I mailed the payment out on XXXX XXXX they said that the payment was received late past XXXX the check cleared my bank on XXXX XXXX so that defaulted my payment agreement and they demanded that the remaining balance of the repossession fee be paid in full. I tried to explain to them the reason why I mailed my payment out on XXXX XXXX but they would not accept my explanation. I asked them could my payment agreement be reinstated and I would use the online payment method to make my monthly payments and that way the payments would always be on time. They refused to reinstate the payment agreement and said that my vehicle was in jeopardy of being XXXX because I have an outstanding balance. Since then I have been paying the {$300.00} and then I paid for XXXX an additional {$15.00} and for XXXX I paid an additional {$25.00} along with the {$300.00}. I am still continuing to receive collections calls from Credit Acceptance 3-4 time s a day the last time was today XXXX XXXX, 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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/XXXX our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/XXXX and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: This inquiry was n't me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010

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 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made two purchases under {$75.00} and am being charged high interest on old balance plus high finance charges on purchases and current balance XX/XX/2017. I have always been timely with payments and believe interest rate is too high and also finance charge is too high. I asked many times for lower interest rate because I have moved to a state ( Illinois ) where  the cost of living is high and income is lower than when I was given this credit in CA. They refuse to lower interest rate and finance charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone most had got my information

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a duplicate account which was an error in reporting. I contacted the company and they verified it was an error. But they have yet to do anything about it. Every time I call them they keep putting me on hold for long periods of time and then hanging up on me. They hung up me XXXX times just today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. 
if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I XXXX and am not able to work at the moment. My payment is XXXX per month. I owed them {$200.00} and tried to give them all I had which was {$140.00} and they refused the payment. They keep threatening me to take my property and file a lawsuit against me. I told them I have doctor notes and paperwork from orthopedic doctor and they said they do n't care that I signed a contract and they want their money. How can they refuse to take what I can give and then threaten me with lawsuits, wage garnishment, and repoing my property???

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 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (FL).
Issue: Credit decision / Underwriting

Complaint: We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls from different numbers, all with the name " Halsted ''. Nobody ever speaks, and when I call them back, I get an answering machine that blares music. 

DATE | TIME | CALLED FROM XXXX/XXXX/2016 | XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: The bank by the name of Fifth Third bank has humiliated me as a result, They still owe me funds, and they lied on XXXX/XXXX/2016 and told me they were going to close my account on and my account is still opened as of XXXX/XXXX/2016 because I 've called them back after they have repeatedly called me during the past few weeks, and they 're still harassing me sending me letters and emails about a overdraft protection and I owe which i clearly didnt sign up for when i opened the account, and I was never told I owed any money while I had the account. I find it funny soon as I want to close the account they will send me letters stating my account was in the negative. I just want them to leave me alone..and I would like to be compensated for all of this terrible experience

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL 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: On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

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 05/21/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation