milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (TX).
Issue: Taking out the loan or lease

Complaint: I received a car loan through Condor Capital. I brought a used 2011 Ford Focus for a little more than XXXX, XXXX. Some how I got financed for a loan at 14.9 % which made the cost go up to over XXXX ( not sure how ) my loan was for 72 months which has me somehow paying over XXXX, XXXX for a used Ford Focus even after I put {$1500.00} down. I have been paying for the car since XXXX and still owe almost XXXX. I typically make payments of about {$400.00} a month and it never seems to touch my past due balance. My car note is only supposed to be about XXXX a month. Condor Capital had several complaints against their collections practices, however they gave me some type of bogus refund that was part of their settlement with the court and then absorbed it all back in fees that still left me with a past due balance. They are now XXXX and are harassing me everyday with phone calls regarding my past due balance even though I make my payments monthly. My car now has a bad transmission that will cost me over {$1500.00} to fix and I can not get a new car because I am still paying off this one. I signed my paperwork within seconds of deciding to buy the car and I did not realize that the {$9000.00} car I thought I was buying somehow turned into an {$18000.00} loan which has me paying off a {$27000.00} debt.

Company response to consumer: Untimely response
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent the attached letter to Equifax back on XX/XX/XXXX. 52 days have passed, and they have not responded to me yet. They were supposed to respond within 30 days, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing disputes

Complaint: I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with French Financial, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [  XXXX   ] cre dit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a " second notice '' from  Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX /  XXXX   for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter i s (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone tried to use my identity causing collection and hard inquiries. I called TransUnion and they would not remove these. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX A check was issued in the amount of {$390.00}. I have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2016 I revcieve and Inquires that I did not authorized.

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 05/20/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a {$50.00} prepaid card from XXXX XXXX, issued by Citibank in XXXX 2015. I forgot that i had the card and it expired in 6 months in XXXX 2015Tried calling Citibank to reissue me a new card as the funds were not used ( verified with the agent ) and they refused to issue me a replacement cardNow Citibank has {$50.00} more in their account from mePrepaid cards should have a longer expiration dateAppreciate if i can get a replacement card issued. 

thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 11-09-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: Wilshire consumer is overcharging me. The loan was to be finished in XXXX. They do n't send me statements due to a bankrupcy I did 3 yrs ago. I missed one payment I did not know about and instead of the loan coming to an end, I owe an additional {$2000.00}. They are making a lot of extra money because of this. They are cheating me. Others should know about this deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: At most, this is some type of debt collection scam, at the very least a massive violation of the Fair Debt Collections Practices Act. This company just called me insinuating that they were a government agency. " XXXX XXXX '' told me that " this is concerning a legal case that is being filed against you '', but would n't tell me what this was in reference to. Then he mentioned that there were, charges being brought against me for falsifying information provided to banks, implied that there were criminal proceedings against me, and that they were going to have the IRS audit me. The guy would n't let me get a word in and when I pressed him exactly what this was about. He did n't disclose that it was an attempt to collect a debt, and did n't really tell me that it was concerning debt in the first place. Nonetheless, when I offered to XXXXway my attorney into the call he said for my attorney to call him. When I asked what this was in reference to, or where to send an attorney representation letter to, he just hung up. 

So I called the number back and asked what the name of the organization is. They said it was Zenco XXXX '', a company that does not exist in the state of Texas. I asked to be transferred to " XXXX XXXX ''. I then asked him who my attorney should call, he hung up. I called a second time, and he stated " This is the 13th time you called '', which was completely untrue, it was my XXXX. He mentioned told me that " this is a felony '' and hung up without giving me a chance to inquire about what this was about. I do n't ever recall having any unpaid debt, so as far as I know, this is some type of scam. If it is some valid type of debt, then it must have been from 20 years ago, as there is n't anything negative on my credit report. If it is a debt collection agency, then they are in violation of several laws, including threatening to sue after the statute of limitations and the rest of the issues mentioned above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted the collection agency and requested documentation verifying the original contract or payments made thru any of my banking information. I made agency aware that this debt is not mine and I have never applied for an  XXXX   XXXX  credit card. The agency rep made me aware that the account was only o  pen for seven months and she does n't have the original contract which is something the original creditors can not provide in most cases. I requested if they can not provide original documentation to remove it from my credit report within 30days of notice.
<P/><P/>  Date of communication :  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

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 05/17/2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to CMC Funding/XXXX will not do anything to correct the situation. I have notified the XXXX XXXX agency and CMC Funding/ XXXX XXXX and nothing has been done in over 2 months. They have paid my Tax Bill late 2 Years in a Row and have not taken the issue seriously. The lack of response has been pathetic. Please Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with John C. Bonewicz, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with U.S. BANCORP (TX).
Issue: Advertising and marketing

Complaint: My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief