milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : 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 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The city of XXXX XXXX sent my name to collection for {$240.00} with XXXX XXXX. They called to collect. I advised them that I have never been in or near the city of XXXX XXXX and asked them to provide the information regarding the amount they are trying to collect from me. They were provided with my address information and the information was never sent to me. They have added this as a new collection to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have submitted a copy of the returned letter to all  XXXX  Credit Bureaus via certified mail on  XXXX   XXXX ,  XXXX  ; regarding an incorrect address to a creditor named  XXXX , opened on  XXXX   XXXX ,  XXXX , asking for immediate removal due to invalid information on my credit report.

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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have outstanding student loans through Navient in the amount of $ XXXX My husband and I are attempting to pay down the amount, our monthly payment is XXXX and we have been paying an extra {$400.00} each month to help lower the principle. We follow the payment instructions given by Navient by including a separate payment instruction telling them to not advance our payment date and that {$200.00}. go to each of the XXXX loans principles. Instead Navient pays extra to the interest and advances our loan date. We have contacted them several times by phone and they have fixed it several times but continue with the problem. 
We feel like we are spinning our wheels ' we have read on how many student loans are being defaulted on and we are trying our best to do right. How can we get help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this bankruptcy with Experian and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to any bureaus or vendors and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account this said account was not even reported by the courts that is said to be reported. A third party is hear say and is not validation. Experian owns this third party vendor as well. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid. If the courts wont produce a contract i am asking for Experian to produce my wet signature that is being used to validate this bankruptcy.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: experian took more then 30 days to complete an investigation on collections accounts, i have recieved and no cooperation nor any proof they are mine.

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 03-09-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (FL).
Issue: Trouble during payment process

Complaint: Hello, we purchased a home in Florida  XXXX / XXXX / XXXX . We got a conventional mortgage with  Prime Lending. We had our current home ( at the time ) for sale and planned on paying off the Prime Lending  mortgage when the current home ( at the time ) sold. We did n't want to put 20 % down so as not to drain our saving if the home for sale did n't sell quickly. So, Prime Lending required us to have Property Mortgage Insurance  (  BP PMI ) - they suggested Single Premium Borrower paid Mortgage  Insurance  and never mentioned it was the non-refundable option. So, we paid over {$3100.00} at closing for this  one time  premium. Our PMI disclosure that we signed shows a refund  may be  possible. In  XXXX  our home sold. In  XXXX  we paid off our  Prime Lending mortgage but Prime  had already sold the note to  XXXX   XXXX . So, since our loan was paid off we wanted a pro-rated refund of our  one t ime PMI payment. I talked to  XXXX   XXXX  and they said it 's not refundable -  Prime  says they sold it so their hands are washed. If I understand it correctly, a refund is possible if the mortgage is paid off according to the  1998 Home Owners p rotection act. The insurance company was  XXXX  and even on their webpage it shows 'Non-Refundable ' BPMI is refundable under th e 1998 Act.   Can you help - am I understanding the ACT incorrectly?     Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Agency has been sending mail to my address and calling my phone none stop in regards to a debt I know nothing of. Collection agency has been calling me none stop about a {$1800.00} debt. This collections account is now on my credit report and is holding me back from being able to obtain credit. I 've reached out to this agency to get this removed from my credit report but they 've refused to do so. I did not authorize anything in regards to this debt and they have yet to provide proof of who is the owner of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: For years I had a Capital One credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account.  <P/> Subsequently, as I always did, I sent a month 's full payment on the full balance due.  Capital One  subsequently charged me a late fee and an interest charge.  <P/> I contacted their customer service, and was told that my account would be credited the late fee and the interest charge.  <P/> The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges.  <P/> Throughout this time I continued to timely pay my balance due in full each and every billing cycle, and as instructed by  Capital One 's cu stomer service I did not pay the interest charges that continued to show up on my account.  <P/> After months of being told b y Capital One 's custom er service that the interest charges would be credited to me and resolved in a future billing cycle,  Capital One 's same  customer service then said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months.  <P/> During that same call to  Capital One ' s  XXXX   XXXX   XXXX  customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled on the spot during that same call.  <P/> Despite the fact that at that time I had earned nearly  XXXX   XXXX  frequent flyer miles on my account, I flatly refused to comply with the threat made by  Capital One 's supervisor  during the afore-referenced call, and she summarily canceled my account.  <P/> Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon.  <P/> Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles.  <P/> For further details, please see my  XXXX   XXXX ,  2011 corre spondence sent to  XXXX   XXXX  of  Capital One,  which is enclosed with this complaint as a document attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked several times for them to stop calling me at work. They have called my HR department and several co-workers to contact me. I have repeatedly asked them to not contact me at work and it wil not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Transaction issue

Complaint: I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2016 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am reporting FirstKey to the Consumer Financial Protection Bureau because they have remained unresponsive to my many requests through their online message center ( which promises response within 48 hours ) and several of my phone calls to customer service over the past few months. I switched homeowner insurance providers back in ate XXXX 2015 and since then have been paying for my homeowners insurance out of pocket. My new insurance company XXXX XXXX XXXX submitted all forms to FirstKEy verifying that this is so ( twice now! ), yet FirstKey has failed to follow up on my requests to adjust my monthly loan amount to deduct for the fact that homeowner insurance payments should no longer be rolled into the amount due for my monthly mortgage payments. I have messaged them many times in writing and I have called on XXXX different occasions and talked with a customer service agent to try and get the issue fixed. The agents never follow through once we are off the phone and so I am still being billed for the homeowners insurance. I need someone to help me escalate. This is the third company my loan has been sold to since I bought my first home in XXXX and they are the worst. Please help me! 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Payday loan () with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Payment to acct not credited

Complaint: I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Accounts Research, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I chose that they contacted my employer but that 's not even the main issue I have. My complaints are with accounts research on XXXX XXXX XXXX XXXX XXXX tn. I spoke with XXXX. He has contacted me about debt collection of a {$480.00} bill. With how busy I have been being in and out of the hospital, taking care of my toddler, moving, etc. I was just now getting back with them today. They called my husbands place of employment. Which we definitely never gave them permission to do but I still called them back because I realized I needed to make a payment on the account. So I called this morning and offered to make a {$50.00} payment today and start up a payment plan and they refused my payment. I was told that I either had to pay half today then half in thirty days or pay all today. Otherwise it would be turned over to court. So distraught I got off the phone while I was trying to figure out my options. I literally do n't have the amount of money they requested. So I was scared of what was going to happen. I called the doctors office that the bill was originally with and tried to find out if they could get the bill back so I could start a payment plan with them. They told me they had signed a contractSaying that they could n't do that so I called XXXX this afternoon and this time I recorded the phone call. Not only did they not verify my identity, he basically called me a liar about speaking to the Drs office, he called me irreasonble because I could n't pay the amount that he is requiring, and refused payment once again. He also ended the conversation by stating that he was n't willing to work with me. Now I understand that I owe a debt and that the debt has went on longer than it should have but now that I 'm able to start paying a little on it at a time I should n't be told no. I definitely should n't have to deal with someone that wo n't even consider working with me. Life happens and sometimes you do n't have {$500.00} spare to spend out but since I was trying to take care of it a little at a time I believe this situation should have been handled a whole lot differently. Once again I did record the final phone call that I can email to someone if they need proof of this interaction. I thank you so much for taking my complaint into consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

Company response to consumer: Closed with explanation