milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2015 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (FL).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Medical) with CAC Financial Corp (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: someone stole my identity they opened accounts i did n't even know about. I do n't owe anything I just want to get this mess over with.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXXI received a letter from Pressler & Pressler, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX. The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and Pressler and Pressler objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (FHA mortgage) with Selene Finance LP (AR).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015 I sold a large dog cage on Ebay for {$100.00}. The buyer was n't satisfied and so I attempted to refund his money. Something was wrong with my PayPal account, so I had to do it as a separate transaction. The amount was refunded on XXXX XXXX, and Ebay was informed of this. On XXXX XXXX, Ebay debited {$100.00} from my bank account stating that it was to refund the buyer who had not closed the dispute. I disputed this claim with Paypal, and without asking for evidence, they arbitrarily found that the transaction was correct. Ebay does not have an easy way to contact customer service in writing, and what I have written to Ebay has gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: went to use my atm card and was denied went to bank and said they closed the account .i asked why no one knows i have little over {$600.00} in my account and i can not take it out i had this account for monts never had a problem .they closed the account so i need my money thank u 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 04-11-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: When I bought my car in XXXX of 2013 and financed most of the purchase price Wells Fargo Dealer Services I was forced me to buy " Gap Insurance ''. 

The insurance was never fully explained to me, I was not told that the insurance was an option and not required, and the representative at the Dealer told me that if I did not accept the " Gap Insurance '' then they could not finance the purchase of the vehicle. 

Because this was all disclosed at the last minute while signing the purchase/ finance agreement documents I had no choice than to accept the terms.

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 03-08-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CO).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.

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 02-03-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX. I originally told them I would pay for all services when they were finished. The procedures were incomplete at the end of the day and they rushed me through paperwork signing me up for a finance company, Care Credit ( Synchrony Bank ), to pay for the work. I was still disoriented from the procedures and suprised it was not finished. I did not know I was authoring any additional work to be charged on this credit account. I got the bill a few weeks later and it was for an excess of {$4200.00}. None of the work she charged me for was ever done except for XXXX XXXX which were not even completed and done incorrectly. I have had to have the work re-done by another XXXX. I disputed the charges with Care Credit ( Synchrony Bank ) and they completed an investigation that resulted in a finding in my favor and {$800.00} taken off the bill. They claimed that I still owed over {$3400.00} for XXXX botched XXXX. Even though I can prove with XXXX that I never received XXXX for which I was charged, they told me that they have taken the word of the dentist that these services were provided and stand by their charges. I will be following up with an attorney, but I do want to report what I feel has been fraudulent billing by this XXXX, charging for services that were never performed, and support of this fraud on behalf of Care Credit ( Synchrony Bank ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Portfolio recovery sued me, and than called and harasses me into paying this debt in 2012. Hoping that this is included in there case because I could use a partial refund for the harassment that I went through on this debt and continued harassment because it 's on my credit for another 7 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: Several years ago I had fraudulent charges on my citi card # XXXX and Called to cancel my card and dispute the charges, however CITI failed to remove unauthorized charges or help me to resolve this fraud issue and left me in full responsibility for the purchases I did NOT make or authorize. In order to save my credit from being damaged even further I agreed to installment payment via auto pay to CITI which I have been paying for serveral years now ( see attached proof ) however citi STILL reports this account as a charge off on my credit report EVERY MONTH which causes further damage to my credit on the monthly basis even though I 'm paying on this card every month as agreed ... 
Please help me take this off my report! my numerous attempts to deal with citi went ignored and I always end up being transfered to one person to another and they eventually hang up on 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 04-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 05/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.

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
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: my experian credit score drop XXXX points and I have done nothing in past XXXX days to make it go down. 
I have been making payments on tradelines on time and never late over XXXX years my score was at XXXX in XX/XX/XXXX in XX/XX/XXXX drop to XXXX and in XX/XX/XXXX drop to XXXX I received a copy of my credit report from annual credit and their has been no Identity theft the only thing on Experian is my ex wife name is on it and a few inquiries I do not " recognize '' and I have been legally divorced since XX/XX/XXXX she should not be on any of my credit reports I have spoken to " experian '' and they said something about a segment program that they use to calculate my score that uses other people score in my category and that the older anything negative on your report is the stronger it is thought it was reverse I thought that my score was based on individual credit behavior not anyone else I feel like I can not get my score past XXXX even though I have paid my current obligations on time never late for over XXXX years VERY DEPRESSING I ask that this agency investigate my claims

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 01-08-2018 about Student loan (Private student loan) with GREAT LAKES (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.

Company response to consumer: Closed with non-monetary relief