milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (LA).
Issue: Problems when you are unable to pay

Complaint: I fell behind once on my car payment ( XXXX/XXXX/15, {$330.00} ) but have a grace period ( XXXX/XXXX/15, {$350.00} ) and made automatic payment arrangements to pay {$250.00} on XXXX/XXXX/15 but apparently something adverse occurred & the full payment was n't successful only {$200.00}. The representative that called my phone at XXXX had not only a nasty attitude but threatened to repossess the car if they did n't get the {$47.00} that 's remaining for the agreement but the whole time he 's threatening me I 'm trying to tell him that it 's not an issue I 'll go load the money on a card so they can get the remaining {$47.00} dollars. He continues with the threats saying if they do n't get the {$47.00} that they 're going to repossess the car, I told him that I did n't like how he was talking to me & threatening me when I 'm going to correct the simple issue by applying more money for the agreed payment but he kept on with threats & a very nasty attitude so I asked to speak with a supervisor & was told that " I am the supervisor! ". If I would n't lose money that I 've already invested in this car I would definitely send this car back because of this companies customer representative & if I manage to save another down payment I wo n't concern myself with the money I 've loss making payments & give the car back & take my money to another car dealership that deals with a different bank/loan company because that Nationwide Southeast customer service representative had absolutely no cs skills whatsoever, all he did was threaten & talk over me, he did not try to listen or get an understanding about what was going on, which is at the least what should 've been done so the issue could be rectified. I 'm going to make sure that I report this company complaint to every source available because people do not deserve to be talked to or handled like this under no circumstances! His attitude & behavior was atrocious & the fact that he was a self-proclaimed supervisor makes this issue even more appalling. I will try my hardest to save for another car down payment just to not do business with Nationwide Southeast again!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- 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 02/17/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did not give this company permission to run a credit check

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question.  Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 11-02-2017 about Debt collection (Medical debt) with Charlottesville Bureau of Credits, Inc (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received notice from a collection company Valley Credit Service XXXX in XXXX XXXX stating that I ( XXXX XXXX XXXX owed Md. XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX {$210.00} for services in XXXX XXXX. Firstly, I have never been a patient of this group. Secondly I do n't know where this XXXX XXXX the visit comes from??? 
A little background. My wife, XXXX, was a patient of this group while XXXX XXXX XXXX XXXX XXXX in XXXX up until XXXX XXXX when she was XXXX. Because she lives in XXXX XXXX Md she is told to get a new nephrologist because they do not practice in that area. My wife did so and her new Doctor is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. He was her doctor from XXXX XXXX through XXXX XXXX, XXXX. At which time my wife had an XXXX XXXX at XXXX on XXXX XXXX, XXXX. XXXX spoke to her original doctor, which is no longer with this group, regarding the supposed charge for XXXX XXXX. XXXX XXXX XXXX told her he never put this charge in my file. In the meantime this group sent to my XXXX and XXXX and were paid {$270.00} This is a fraudulent claim. My wife did not have an office visit!!! 
As for me, how did they get my social security number, etc and file a bogus debt on my credit report? XXXX XXXX billing person for Md. XXXX group said she never sent it to them in my name ( XXXX ) ; however, the fact is I have a sworn affidavid from the collection agency showing her signature that she did in fact send it to them. No one has yet to apologize they just told me to wait and pull your credit report to see if it is gone in XXXX. All I ask is a letter from them stating the truth about this debt and the collection agency. They all tell me they do not have to do anything for me as it is the law. They made the mistake why do I have to jump through hoops to get this resolved. It was their error and done without my knowledge. 

Lastly, why did my wife, XXXX, never receive any kind of bill from Md. XXXX XXXX for over 4 years??? And when one came it was in my name not hers.??? Please note each letter states a different amount owed, i.e. {$270.00} - {$220.00} - {$210.00} so which is correct????

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I brought a 2013 XXXX XXXX from XXXX XXXX  which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX  amd bridgecrest claimed I still owed XXXX  on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.

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 06/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged 2 separate overdraft fees ( not sufficient funds ) of {$35.00} on X/X/2017 and X/X/2017 without Capital One first notifying me via email or phone or text.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank agent threatened me and verbally abused me for owing a balance less thann30 days past to. I was asked to i have a job and where do i work and threatened. The agent also refused to make a payment arrangements and hung up in my face. Agent then froze my accounts for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [  my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX  deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with DISCOVER BANK (FL).
Issue: Delinquent account

Complaint: Called my XXXX father ad upset him ... who is not, and never has been listed as a way to contact me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Credit card () with U.S. BANCORP (DC).
Issue: Payoff process

Complaint: Elan Cardmember Services applied payments that exceed the minimum to new promotional balance vs old promotional 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 non-monetary relief
Consumer complaint received 02/24/2017 about Consumer Loan (Vehicle loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Problems when you are unable to pay

Complaint: Currently my husband and I have a car loan with Lendmark Financial Services. On Tuesday night, XX/XX/XXXX, Lendmark repossessed our vehicle. The payment for the loan was 45 days past due. When we called to make arrangements to get our car out of repo, the lending company proceeded to breakdown the fees we would need to pay to get the car back. Among the fees was our XX/XX/XXXX and XX/XX/XXXX payment ( understood ), a {$620.00} repo fee ( only {$300.00} of which goes to the repo company ) AND a demand that we make our XX/XX/XXXX payment ( obviously not even due yet ) before we could get the car. 
In researching their tactics, I 've found multiple people who are having similar issues with the same lending company ( same location actually - XXXX, GA ). We also found out ( from our repo company who are more honest and XXXX than anyone we 've dealt with to date at Lendmark ) that the terms of contract have been changed by Lendmark to 25 days past due considered default. Our loan was initiated in XX/XX/XXXX and we have never received an amended terms of contract from Lendmark with this information. Each individual I have spoken to in my research have had multiple repossessions, some not even 30 days delinquent and often with payment arrangements made. After speaking with Lendmark Wednesday morning to make arrangements for payment today, XXXX ( their crooked branch manager ) went ahead and sent a send to to sale notice to the repo man. Only because the repo company is run by decent human beings, they called to question the notice since they knew we were coming to get the car today and refused to process the send to sale command or our car would have gone to the sale. There is no limit to what these people at Lendmark will do to fleece hard working families in the XXXX Georgia area. They know what they are doing is wrong and will respond with " if you ca n't make your payment how are you going to hire an attorney to fight this '' this comment was actually made to us today when I brought up many of the points above. Lendmark did not send us a letter of intent or any warning before repossessing the car. These unscrupulous practices are costing families XXXX in fees they should not be forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Settlement process and costs

Complaint: In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have contacted Navient Several times about posting my payment and then charging me again in the same month. They say they " Fix it '', and then the charge shows up again. I also keep getting emails about my account being defered. I did not request this, and they just tell me to ignore the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further  unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them.

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 05/23/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment showing as open that should be showing paid. Student loans showing Open that should be showing paid. There are a lot of inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )

Company response to consumer: Closed with explanation