milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free report. I thought I was in the process of getting my free report, but when I went to get it on line, I was told I had already gotten a free report. I do n't believe within the past year I have done this, as I have nothing on my computer or a hard copy of anything from this company.

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 05/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account report with Equifax , XXXX and XXXX showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Not able to get a loan. All the info is filled and there a exclamation mark by my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Check Security Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A company that has presented itself as Warner Asset location services ( claims processing department ) has called me on multiple occasions over the last few months because they are trying to get in contact with a former co-worker of mine. They have indicated the former co-worker put me down as a reference back in XXXX. I have told them I do n't know what this is about. That him an I do n't speak. I did not give permission to be added as reference and to please stop calling me. They refuse and have continued to aggressively contact me from multiple numbers. They say their " sources '' confirm we are family ( We are not ). I do not have any delinquent debts. I am tired of blocking their numbers.
Most recent call was today XX/XX/XXXX- from XXXX. They have also called from : XXXX ext. XXXX. Today 's representative 's name is XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with Kentucky Housing Corporation (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My family has a mortgage and down payments assistance loan with Kentucky Housing Corporation. We 've always made our monthly payments via their online web portal. The web portal payment system was not functioning during the last several days of XXXX XXXX. I made XXXX payments via a toll free number before the end of the month and was still accessed XXXX thirty day late entries on my credit report. I 've had a mortgage since XXXX XXXX with no previous 30 day late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I have sent at least three letters to XXXX, XXXX, and Transunion in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.

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 05/30/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by  MSB about  XXXX  violations ( pa rking m eter and street sweeping ) on    XX/XX/XXXX   a nd    XX/XX/XXXX  . I immediately followed up with the agency to let them know I was not the own of the car at that time at which point they directed me to their online dispute form. I followed their direction including provide proof of when I took over ownership of the car on  XX/XX/XXXX  .  I received a follow up email asking for further information which was then pro vided ( e mail attached ). Toda y,   XX/XX/XXXX ,  I  received another notice with " DEMAND FOR PAYMENT '' in the subject. They are clearly aware given our previous correspondence that I was not the owner of the car so they should try to contact the previous owner.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX  has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving  XXXX .     I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a  State regulations require all debt collectors  to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee.     Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.  Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I continue to be charged interest on purchases even though I am still within the 0 % promotional period on purchases until XX/XX/XXXX. I contacted American Express after I noticed this on my first statement in the amount of {$21.00} The customer service representative reversed the interest and credited my account. He said that it was a known issue and it was now fixed and I would no longer have a problem. So, when I received my XX/XX/XXXX statement, I had the same issue. I was charged {$41.00} in interest on purchases. I contacted customer service and again was told that this was a known issue for some customers and they were working on a solution. I was informed that it would be resolved. This time I was not issued a credit back to the account. Please see attached documentation. Thank you so much in helping to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was deleted by XXXX  as and unverified account on XX/XX/2018 after contacting your company. 
I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to 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 explanation
Consumer complaint received 11/30/2015 about Payday loan () with CNG FINANCIAL CORPORATION (VA).
Issue: Received a loan I didn't apply for

Complaint: Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Transunion customer service wo n't take care of the issue with me being a victim of their inquiry issue. The following inquires was presented to the Transunion customer service rep. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry :XX/XX/XXXX XXXX Inquiry : 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 09/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Re : Comenity Bank for HSN credit card On XX/XX/XXXX I made a payment for {$40.00}. early and for more than the minimum due On XX/XX/XXXX I reveiced an email I was late, I logged into my account to find a returned payment fee and returned charge and it said my payment was returned XX/XX/XXXX. 
I immediately called Comenity, after numerous calls with different answers, I was told to send in my bank account statement. 
On XX/XX/XXXX I faxed my statement for XX/XX/XXXX-XX/XX/XXXX to show there was nothing returned. After waiting weeks for a response, I was then told this was not sufficient enough and they needed a letter on letterhead from my bank stating that nothing was returned. 
On XX/XX/XXXX I went to the bank, got that letter on letterhead signed by the braanch manager and faxed it to them. It states nothing was returned by them from XX/XX/XXXX-XX/XX/XXXX. 
This is still not sufficient for them and are continuing to ask for more information and not making corrections to their mistakes. 
I have done everything starting with making my payment in good faith earlier than required and sending all proof twice that nothing was returned as they claim it was. 
Whatever mistake was made on my account was not by me and I am getting charged for it and with 30 days late on my credit, for the 1st time in 2 years. I was in good standing until this. 
Not only did they wait to inform me of a problem with my account until it was into a 30 days late status then charge me and put a bad mark on my credit. 
They are also sending bills 1-2 weeks later than payment due date.

Company response to consumer: Closed with monetary relief