milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.

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 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. 

On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. 

On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. 
I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. 
I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. 
XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. 
In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. 
Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. 
XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. 
I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. 
My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. 
The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. 
Following is copy of XXXX XXXX 's letter. 
Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. 

About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. 
You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. 





Hope this information clarifies everything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 10-11-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit line increase/decrease

Complaint: I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXX and asked to sign up for a credit card. XXXX XXXX, the banker, takes me to the private banking section. He recommends strongly that I take the credit card with the highest interest payment. I look at my options, and take the one with the lowest interest payment. Then, I tell him that I make $ XXXX per year, he types it into the computer, and I get approved for a credit limit of just {$5000.00}. He tells me this right after we have a discussion about the {$40000.00} XXXX watch that I 'm wearing. 

I gave this exact same information to the Chase branch at XXXX XXXX XXXX, and I was given a credit limit of {$21000.00}. No paperwork required and no further questions asked. As a XXXX, I can only assume from my own experience that XXXX XXXX would have received some sort of benefit had I chosen the credit card with the higher interest payment. When I did not choose this card, he was insulted and gave me a much lower credit limit than I should have received. I find this incredibly inconvenient, insulting, and most likely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TN).
Issue: Account opening, closing, or management

Complaint: I 've tried to open an account with Chase and they said I needed proof of address with a cell phone bill. I provided a printout of the statement from XXXX XXXX and they still denied me of opening up an account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (MA).
Issue: Problems when you are unable to pay

Complaint: I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (FHA mortgage) with loanDepot.com, LLC (AL).
Issue: Closing on a mortgage

Complaint: Please see attached letter of complaint that was sent to both Loan Depot as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The loan officer involved, XXXX XXXX XXXX, AL LIC # XXXX, was the loan officer involved. She was the loan officer for the buyer of my home. The letter will explain in detail the delays for two months in closing the house, her incompetence and negligence, as well as unethical and possible illegal behavior. Not only did I incur thousands of dollars of unnecessary expenses, but her client ( my buyer ) also incurred expenses, as well as the seller of the house I was to purchase. Because of XXXX XXXX negligence it was a domino effect that resulted in 10 's of thousands of dollars being spent by families unnecessarily, not including the stress and strain it put on families. 

At the bottom of the letter you will also see the others to whom the complaint was submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I recently sent a dispute to Fifth Third Bank in regards to an inquiry made to my XXXX report. I was sent back a letter from them denying my request for removal of this unauthorized inquiry from my XXXX report. Please view attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (CO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX  was removed from your credit report. But upon viewing a recent copy of my credit report with Transunion it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX  who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I 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 05/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was co-borrower on XXXX mortgage. 
1. Loan was charged off after only being 61 days late 1 time. never missed payment before or since. 
2. paying back same mortgage co after c/o kept paying never knowing of charge off until we ran credit report. 
3. Real issue here is how unfair it is that mortgage co can report it as co then show every month as being late when i am in fact paying them every month as agreement. This kills my payment history. My payment history was reporting 100 % up to the point i started disputing a couple of things. i assume this is legal reporting however it is double kick XXXX. I understand as long as i have a balance they can show i missed the monthly payment??? but my agreed upon payments go unreported!!!! 

4. During tough time i also owed state of Ga XXXX that i called and told them to keep my return which it took 2 years of returns to satisfy the debt. I found out after credit report i had a tax lien on property i did not even own ( irrelevant ). i paid the debt in full. The federal IRS has a fair act forgiveness program that will allow you get it removed from you credit report however states do not. I have written all XXXX credit bureaus requesting removal and only XXXX removed. XXXX and Equifax basically said go pound sand. If they have ever removed one for any other person just by a written request then this is unjust and unfair. I am attaching a paid in full letter. i worked very hard and paid off all old debt in hope of improving my score. I got it to XXXX and then without changing a single thing filed a few disputes then got punched in the gut by it dropping over XXXX points. inflating your credit score due to buying their advertised products is unfair but i am forced to do it. you are welcome to check my past and current credit history and you will find perfection for 15 or the last 16 yrs and atonement for that 1 yr however due to unfair practices i look like a bum.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ERC has been credit reporting on a debt that I was not notified about. I was never sent a right to dispute letter prior to being credit reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have now mailed Experian twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!

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 05-01-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (NC).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX we secured an RV loan on a XXXX new Bounder motorhome of {$56000.00} thru US Bank. At the time we specifically told the agent we would pay off the loan within the next 12 months and he said no problem and no penalty. Now here in XXXX XXXX we get the amount to pay off and they are going to charge {$200.00} early payoff penalty, totally the opposite of what their agent told us!!!

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 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.

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 03/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't own a XXXX account at all.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account listed on my Experian credit report is not mine. I have tried using Experian 's online dispute process, but an error message appears. Furthermore, the toll-free number provided does not allow me to speak with an individual to explain the error. I would like the fraudulent account removed from my credit report immediately. I would also like to see Experian fix their online dispute process so that it is possible to submit a dispute online. Furthermore, it would be great if Experian did not so aggressively try to upsell to paid products. Right now it is difficult to find information about submitting a dispute because it is buried within their website and overshadowed by appeals to pay Experian for extra services. Experian should honor their obligation to the public to regulators by making it easy and free to correct inaccurate information.

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