milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Filed complaints about XXXX XXXX and transunion all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but XXXX an transunion are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received my credit report from Experian. I have proven that the company Experian tells customers that they conduct these sophisticated investigations that they require so much time to complete. They even have the gall to send out letters informing customers via mail they they need additional 15 days to do some research. In XXXX specific case they need the customer on the phone to be able to confirm the customer 's identity, so this company lies to customers. I want all references off the credit report that would make the line of credit 7 years or more. Every citation to XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. The FCRA required that only " Accurate, Timely and Relevant information be on a personal credit report, so that decisions can be made on credit worthiness can be made. '' ( Paraphrase ) I expect this done without delay nor excuse. All these items are out of date and need to be removed. In addition all school loans were consolidated at 3 % under President Obama 's XXXX program. I only have to pay XXXX payments under income sensitivity I already received the first XXXX payment free. 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to 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 07-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: A freeze was placed on my account on XXXX/XXXX/XXXX without me being notified, when I tried to get information on what was going on with my account on XXXX and XXXX, Chase would not provide me any information or detail. I was told that it was with the fraud department who I would need to leave messages for and wait for a return call. I called several times without any response from Chase, I then started calling a phone number that I was provided by a branch manager several times in a row until I got XXXX XXXX to answer the phone. She was not helpful and would not provide me any information on what was going on except that there was fraud on another account. My ex was linked to this account but has not deposited or used any of the funds in this account in over 3 years. All deposits have been my payroll direct deposits or transfers from other Chase account. These are 100 % my funds but Chase will not discuss the account with me or allow me access to my funds on XXXX all of the money {$550.00} was removed form the account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/2015 about XXXX Jefferson Capital Systems Collection Agency sent a person to my apartment to deliver a Summons court order from XXXX county court. Only my XXXX XXXX XXXX and my XXXX XXXX XXXX daughters were there and he forced my older daughter to sign these documents. Since she 's a minor she should n't had been force to sign just to get these documents delivered? or does she?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: capital one is now chargin late fees, interest, and its all because they " '' assumed '' '' there was fraud activity on this account after a purchase was made by cardholder, we have sent everything they wanted and because the bank does not verify their clients accounts over the phone capital one still refuses to accept all the information that was sent to them more than once. a full payment was made to this account on XX/XX/XXXX bank can verify that. capital refused payment due to their " '' assumptions '' '' of fraud activity, as of today XX/XX/XXXX XXXX XXXX has added late fees, interest, and is reporting late payments to credit bureaus. the balance of XXXX was attempted to be paid like I said on XX/XX/XXXX. and the bank can and will verify this in writing. capital one needs to be investigated themselves, asking for a customers full bankin  account information is personal and private, but they demanded they have it to prove identity so it was sent to them, also many many many messages were left for XXXX XXXX to return the call which to this date still never has. theres also proof of multiple messages left for XXXX XXXX. now cfpb closed our last complaint without resolving the issue, you said your on our side on your website but its lookin as if your on the creditors side. please resolve this issue, please. how many times will I have to keep filing complaints before this gets resolved

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Advertising and marketing

Complaint: Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. 

For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. 

Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. 

This corruption and misleading information with Capital One 's reporting to this Federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: Capital One Bank calls my home throughout the day because I missed XXXX payment on the card. I have income during the next several weeks to make payment. I do not appreciate their obnoxious attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Fraud or scam

Complaint: I collect XXXX and buy, sell and trade for such things on XXXX. I saw an ad that was posted for some XXXX. I asked the seller if we could make a deal. We talked on the phone and worked out a deal on I wanted to do XXXX but he couldnt so we decided to do western union. The deal we worked out was XXXX for XXXX pieces of XXXX stuff, a XXXX and XXXX. It was the XXXX time i ever sent a money transfer so i went thru western union. Western union said it couldnt process the transaction but didnt tell me why. So he seller told me try using his brother and he can have his brother pick it up. On XXXX XXXX that transaction worked fine and he told me over the phone he would ship it out XXXX thing in the morning. I tried contacting the seller after a week, no answer and again after XXXX weeks when the items never came and no answer. This is when i know i got scammed. I never would have thought it was a scam because we talked so much on the phone and he knew alot about XXXX and overall just seemed very sincere in personality. So with the western union costs im out XXXX bucks and i dont want this man to do the same to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!

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 04/14/2017 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Unsolicited issuance of credit card

Complaint: I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.

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 10-06-2015 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from Capital One on XX/XX/XXXX. The one is XXXX XXXX inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I WAS TOLD THAT MY STUDENT LOANS WERE NOW WITH A COLLECTION AGENCY THAT I DO N'T OWN. THE DEPARTMENT OF EDUCATION SAID THAT THEY DO N'T HAVE ANY INFORMATION OF ME OWING ANY DEPT WITH THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Auto debt) with U.S. Auto Credit Corporation (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: In XX/XX/XXXX I was contacted by a company I had no knowledge of stating I was late on my auto payment. Apparently my positive account had been sold without my knowledge to a knew creditor. I advised the company I had just made a payment on my vehicle to the place my contract was with. The company it was originally with agreed that my contract would be paid Bi-weekly as that coordinated with my payment schedule and can be seen with the history of receipts as well as my on time payments recorded in my credit report. This company has contacted family members without my authorization, changed my contract without my consent or agreement and calls me constantly harassing and falsifying information. Today XX/XX/XXXX they demanded payment and threatened a repossession which they do almost every time I call. They never advised or had me sign anything agreeing to go back to a weekly payment schedule so now my account is severely behind and they are trying to put me in a financial bind not including embarrassment and harassment, falsifying information on my credit report and their aggressive conversations. Social is : XXXX | Name : XXXX XXXX, I sent a BBB complaint to them because I never got an updated contract from them and instead of responding through the BBB portal they contacted me directly and per the conversation admitted to alternating the contract without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with Capital Accounts, LLC (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation