milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Shopping for a loan or lease

Complaint: I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. 

*Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. 

*XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. 

* Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. 

Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. 

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Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Since I began my dispute process with Equifax I had to verify my identity which I did as to the protocol of the CRA 's. Since I have verified my identity I have been getting regular responses from Equifax. This time however they sent me a letter asking me to verify my identity again. Equifax has violated various law that 's in the FCRA and I need help in getting Equifax to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I LIVED IN AN AREA WHERE I COULD NOT RECEIVE A SIGNAL FROM XXXX SO I CALLED XXXX AND TOLD THEM. THEY TOLD ME TOUGH YOU SIGNED A TWO YEAR CONTRACT. SO I WENT TO ATT AND IT WORKED FINE -- I COULD N'T SEE PAYING FOR A SERVICE I COULD N'T USE

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 02/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery continues to threaten me with legal action if I do not pay a debt that was written off by XXXX Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Payday loan debt) with PAYPAL HOLDINGS INC. (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This debt collection company out of South Dakota has been calling my previous employer, my father in Florida, my ex girlfriend from 20 years ago, my friends, and current employer and have been discussing personal imformation with them about my debts and my character. Saying they are investigating me for fraud and saying I owe money. This has made me very upset and I feel embarassed and personally violated. On Wednesday I called the company and asked them to stop calling and talking to other people about my personal business and to notify me in writing. They said they do not notify people in writing. Their phone number is XXXX. They assigned a case number to me. XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is continuing to report the accounts listed below in error. 
UNKNOWN CREDITOR ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account.

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 07/21/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I overpaid my escrow account throughout XX/XX/XXXX, when I bought my house. USBank noted this in XXXX XXXX and sent me a check, which I never received. On XXXX XXXX, XXXX I received a notice that my refund check of {$680.00} still was not cashed, and to cash it if I could. I called US Bank and told them I never received the initial check. They told me they had to charge me {$15.00} re-issue fee in order to re-issue the check I never received. They charged me even after I told them that I refused to pay the fee and took it out of the refund amount.

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 10/30/2017 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who  never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Grand American Resources, Inc (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I told the deck collector named XXXX that I was not currently working and would n't be able to make payment until XXXX he asked me how I was paying my current bills I said that my fianc was because I have been out of work because of my XXXX he then proceeded to say I guess that this dad is n't that important to you we will have to take the next steps. Thanks person that suffers from XXXX this call has extremely upset me and has caused a lot of XXXX when I ask him more questions he told me not to contact him and hung up on me and refused to tell me certain things about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After a dispute with my financial institution I decided to close my primary banking account with XXXX which was effectiveXX/XX/XXXX Prior to this I did have a dispute in progress and had the account frozen to prevent any further funds going in or out. On XX/XX/XXXXI made a payment to my capital one card and their system updated it for the amount of {$330.00} On XX/XX/XXXXI had been sent notice the account payment was returned. I figured there was a glitch on my behalf and attempted another payment for {$450.00} on XX/XX/XXXX and was notified that this to was returned on XX/XX/XXXX. 
After this occurred I began getting calls from Capital one trying to " verify '' with my bank that I was the only one listed on the account - this process included them present on the line while I verified my passcode and security questions - total invasion of my privacy. 
After this I tried to use my other bank account but was unaware of the cost of fees for courtesy pay and miscalculated my funds and had another attempt to pay the balance. I used a pre-paid debt card - there was money on the account - this was an XXXX XXXX serve card. 
I made a payment that was also returned - I was bewildered by this - as there were funds on this card to specifically make that one payment and nothing else. This was done XX/XX/XXXXand by XX/XX/XXXX I had the notice the payment was returned, I attempted to call into the bank but did not due to the wait time and finally set up the payment to be processed as an scheduled payment to a payee through the XXXX XXXX account. 
This took a few days to process however by XX/XX/XXXX the capital one payment of {$310.00} has posted bringing my balance to {$240.00} - however capital one reported to my credit that I owe an amount of {$560.00} and am over 60 days late This information could not be more incorrect Finally frustrated I called into capital one to discover they have closed my account and reported this as behavior inconsistent with those they like to have their accounts perform in - I did get more than upset and reported this to capital one who stated to destroy the card and they will continue to send statements until my balance is at {$0.00}. 
I understand where there could be trouble however my complaint is at this time inconsistent reporting and at this time damaging credit scores due to their expectation - they closed my account after they verified that the account would be substantially funded and brought back to the within limit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I keep receiving a credit card statement from Wells fargo for a credit card that i never opened with them. I spoke to them and told them that i never opened this account ; they closed the first account and opened a new one and transferred the balance tot he new account.

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 01/23/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is listing fraudulent account information on my credit report. I have never signed any documents, agreements or contract with this company. I requested proof from Equifax, I requested copies of the original signed dated contract. No contracts or agreements exist with my signature that shows I allegedly owe XXXX XXXX XXXX XXXX. Account Number XXXX. I informed Equifax that this was a fraudulent account opened in my name. Equifax informed me to send an identity theft report and they would remove the XXXX XXXX XXXX XXXX. Account Number XXXX in 7 days. I sent Equifax the Identity Theft Report as instructed. Equifax still will not remove the account from my credit report. 

Equifax is knowingly and purposely violating the Fair Credit Reporting Act, which states once an Identity Theft Report is received, the fraudulent information is to be blocked from showing on the credit report in 4-7 business days. In addition, no documents, contracts or agreements exist with my signature. Please make Equifax remove, XXXX XXXX XXXX XXXX. Account Number XXXX from my credit report, for violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
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
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (DC).
Issue: Problems when you are unable to pay

Complaint: Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Other bank product/service) with PROSPERITY BANCSHARES, INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. 

Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. 



Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (NM).
Issue: Taking out the loan or lease

Complaint: I was lied to about the credit check process

Company response to consumer: Closed with explanation