milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (FL).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

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 02/22/2018 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: Their investigation did not fix an error on your report

Complaint: I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private student loans ( $ XXXX+ ) with Navient, formally XXXX XXXX from when I attended XXXX XXXX Universities XXXX Program. Nearly a XXXX ago I had to nearly default on the loan to get into a reduced rate program. While in that program my rates where reduced to 1 % and after tabulating my income ( family of XXXX, wife XXXX ) and expenses they determined the best payment I could get was {$310.00} a month with was 95 % of my discretionary income. To contrast I have an equal amount in Federal Student loans and my Income based repayment is {$31.00} a month! This program I am in has to be recalculated and I spent an hour today speaking with representatives at Navient XXXX XXXX XXXX, XXXX XXXX XXXX. And they told me that my interest rate would be increasing and that the BEST payment they could offer me is {$380.00} which is 117 % of my discretionary income!! My rent has gone up and my family of XXXX is living in a XXXX bedroom house! This is no way to live! I need help here!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was on a XXXX  repayment plan through Navient. In the past few years I have been able to finally make solid monthly payments. However, I kept seeing late fees on all my payments. I called and they told me that my XXXX repayment option was over and I now have to pay {$430.00} a month. I can not afford that! Where did that arbitrary number come from? The Navient agent could not help me and I could not understand her anyway. I completed my FSA Id process and took a look at my account and it states that I owe {$130000.00}! I almost threw up. I owe {$69000.00}! What is going on? This is so misleading and now I understand that the CFPB is being gutted by our government in favor of loan servicers like Navient. Nothing about this seems right and I feel like I am being scammed. I would rather default on the loans so I can retain a lawyer and protect myself. Is this what its come to now? I need help desperately. I never had these issues when XXXX XXXX was servicing my loan. Can someone please contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Husband passed recently and he had no will and XXXX accts with Bank of America. XXXX was our joint checking, the other XXXX were XXXX a XXXX and a XXXX acct. I told the bank rep wanted to keep those XXXX they told me would have to go to Probate to get access. I did go to probate and was asked to list assets did n't list the fund acct only had XXXX. Since the passing I established a scholarship acct in my husbands name and planned a huge scholarship event, I have deposited XXXX in the XXXX. A few days before the event tried I to withdraw some of the funds for expenses related to the event and told could only make deposits because my husband had sole propriortorship on the acct. My attny rushed papers through probate listing the acct to give me access, now the bank says the amt in the bank at time of death was XXXX and the amt now is different. Attny says this is not part of the estate. My husband did not raise the f ; unds and it is not his funds.I have expenses related to the event not paid and this has become a disaster. I have more checks and cash to deposit. No one in the bank advised me that I should have established another XXXX acct in my name but they kept taking the deposits. The bank is ignoring the court documents giving me access, you get nothing but the run around when you call, no return calls, each time you speak with someone its a different story, they act like they will help and then it always diverts back to there is nothing they can do. The local branch reps are poorly trained and not helpful 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 10/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: They charge me for annual membership I called and cancelled the card they said everything was okay the account was cancelled and the fee too so I had to destroyed the card and now they send me a new statement XXXX the charge y now they said they have a new policy and I have to pay Whitout using the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect name on credit report:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (VA mortgage) with MIDFIRST BANK (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. 
.

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 04-07-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX for the amount of {$340.00}. I have sent XXXX XXXX a debt validation several times with no response. This item does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (DC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.

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 02-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Sale of account

Complaint: I entered a payment plan to settle outstanding debt with Citibank, N.A on XX/XX/XXXX. I made my last payment on this debt on XX/XX/XXXX in the amount of {$300.00}. I attempted to make a payment via telephone in XX/XX/XXXX to continue my obligation for this debt. The representative at the time, informed me that my account was settled in full and that I did n't have to make the payment. I subsequently received a notice from Citibank, N. A stating " our records reflect that the balance on the above account is {$0.00} ''. I disputed the information with each credit bureau so that they could update my records based on this new information. The credit bureaus responded and said that Citibank, N.A disagree with my dispute of the account. With this in mind, I contacted Citibank, N.A and learned that Citibank N. A sold the aforementioned account to a XXXX XXXX Inc. and they are attempting to collect the full amount of {$5900.00}. Based on the letter I received, this account continues to report inaccurately on each of my credit reports, and Citibank, N.A is still pursuing me for debt I 've completely paid off.

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 08-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent TransUnion two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from TransUnion or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization.

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