milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I purchased a living room set ( XXXX ) approximately mid XX/XX/XXXX. I made a down payment of {$460.00} on XX/XX/XXXX. Financing the remaining {$1500.00} with " XXXX XXXX XXXX '' ( XXXX XXXX XX/XX/XXXX ). The furniture was delivered on XX/XX/XXXX.The agreement was {$180.00} per month for 3 months only to pay a {$40.00} fee if loan ( {$1500.00} ) is paid off in it 's entirety. I made 2 payments ( {$180.00} each ) XX/XX/XXXX & XX/XX/XXXX. I realized I was unable to pay the remaining balance of {$1100.00} in it 's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I 'm going to Incur an exuberant interest rate of 130 % on the remaining balance. I did contact the lending company to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. XXXX XXXX XXXX where I purchased the set from actually filled out information online ( sight unseen ) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130 % interest agreement. This was never brought to my attention quite naturally because they would n't have gotten the sale. I communicated with the owner of XXXX XXXX and he completely denied any responsibility for the situation. Thank you in advance for your considerate attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Starting in XX/XX/XXXX I made my final payment on my automobile loan. At that time, my FICO score according to TransUnion was XXXX. I am have not changed or closed any of my three credit cards that I currently have. All my balances are paid off immediately. I have no other late payments of any kind. Student loans have been paid off for over 3 years. Yet, over the past 9 months, by credit score has been steadily declining to the point of being XXXX. I have called TransUnion before, approximately 2-3 months ago. I basically was told to read the " factors affecting my score. '' The only two factors are, lack of recent installment loan information and length of time revolving accounts have been established. 

Like I stated above, I have made no changes to my credit cards over the past several years. The only change would therefore be " the lack of installment loan information. '' What information do they want?? I responsibly paid off my automobile loan and now I am paying the price by getting a significant drop in my credit score?? What options do I have? Do I need to finance another car or take out a student loan? Any insight would be greatly appreciated. Date of birth : XX/XX/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 06/24/2015 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX. With a balance of XXXX I also request a copy of the application to open this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Wrong amount charged or received

Complaint: I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...

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 09/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (RI).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Capio Partners, LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Mortgage (FHA mortgage) with ARVEST BANK GROUP, INC. (AR).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My XXXX XXXX was rejected on XX/XX/XXXX. I tried to log onto my account but access was denied. I called a phone number that was provided and they indicated that the account was locked for suspicious activity but could not tell me any details. The asked for the last four of my SS, my home phone number, my cell phone, my wife 's cell phone, my email, my wife 's email. After getting all of this additional information, which I did not want to provide, they said it was not adequate for them to authenticate who I was. They said they would send documents in the mail that I would have to complete. I called back on XX/XX/XXXX to tell them that I never received the documents and they told me to give it a few more days. I called back today XX/XX/XXXX and they said that they did not send out any documents and that I would have to send them a copy of my utility bill and a copy of a picture ID. I told them I am not comfortable providing this information and they told me there was nothing they could do without this information. 

I am concerned that the personal information that I have already provided will not be adequately safeguarded. 

I talked to someone in customer service who said they would mail me a detail account of what is due so that I could pay it. I am concerned that this will not actually be mailed given my experience so far. I do not want to be in the position of having to pay the balance due on XX/XX/XXXX without seeing details for that balance.

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 05/31/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My  Auto Lease  payment was due on   X/XX/2017    . I made my payment early on   X/XX/2017     in the amount of {$560.00}. I used the link when I log into my  GM Financial  account, selected payment options for Credit Card, clicked on the link for  XXXX   XXXX    XXXX   XXXX  . When I click on the link from there website It ask me to enter the Bill Payer, I entered  GM Financial a nd a drop down came up to sele ct GM   Financial Leasing  or  GM Financial (  I have a lease ). I enter in my account number  XXXX , continue to enter my payment amount {$560.00} and  XXXX   XXXX  confirms the payment and I paid same day service  2-4  hours.  <P/> After I get my payment conformation via  XXXX   XXXX   XXXX  numbe r M  oney Transfer Control Number  [ MTCN ] is :  XXXX   AUTH CODE  : Conformation #  XXXX  I contacted  GM Financial  several times asking them if they received my payment, I keep being told no payment received. On  XXXX  I finally spoke with a Supervisor name  XXXX  on  XXXX / XXXX /  XXXX   and I did  a 3  way call with  GM Financial  and  XXXX   XXXX . The  XXXX   XXXX  representative verified with Supervisor at  GM Financial  that my payment was accepted with  GM Financial  on  XXXX / XXXX /  XXXX  , so now its up to  GM Financial  to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account.  <P/> Today   XXXX     I check my online account and I still see payment has still not posted. I contacted an online chat rep with  GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department.  <P/> At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and  XXXX   XXXX  has confirmed the payment on same date   XX/XX/2017     and  GM Financial  has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.  <P/> I am requesting that my payment be applied to my account effective immediately dated   XX/XX/2017    , and report my account with all  3  credit bureau s ( Paid on Time, Never Late )

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with U.S. BANCORP (UT).
Issue: Problems caused by my funds being low

Complaint: U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them!

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