milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TCF NATIONAL BANK (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: I have had an account for several years with XXXX, now Synchrony Bank. They are reporting to XXXX Credit Bureau XXXX Inquiries as 'regular inquiries ' rather than " account review ' inquiries. This is lowering my credit score. I have contacted XXXX and they tell me that I have to go to the company to have them removed. When I wrote to Synchrony Bank, I received no response. There is no reason for 'regular ' inquiries at all, muchless 'regular ' inquiries AND account review inquiries. They need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (RI).
Issue: Fees

Complaint: I have a {$100.00} Visa gift card I was saving to purchase a new computer model when it became available. I held the card for a few years. When I went to use the card it had {$6.00} dollars available. Well I did not read the fine print about having to register the card and pay an inactivity monthly charge. I was disgusted and felt robbed. The card was used well within the expiration date. I think the consumer should be protected from this thievery. I will never buy another Visa gift card. The consumer should be protected from this type of gift card policies.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 contacted TransUnion several times over the course of 6 to 9 months, via phone, online and mail to have 5 erroneous accounts ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) removed from my credit report. I have disputed this information with Transunion as well as XXXX. The other credit reporting agencies removed these unverified accounts and Transunion has not. I have also requested TransUnion to supply written proof of these so call Debt/Collection records and they have not provided the information requested. Since they refuse to verify these unverified accounts its unfair to me to have these accounts on my report. A Debt should be validated from the source reporting the debt! The other credit bureau has removed these debts because they could not be verified these allege account. Its against my right under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 06-02-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I received a loan from fifth third bank to purchase a new vehicle. I called them in  XXXX    2017   and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a  XXXX  balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of  XXXX  dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of  XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: We started a refinance process earlier XXXX with Citizens Bank in XXXX, PA. Prior to engaging with them, we were warned by another lender that Citizens is known for conservative appraisal values. We ultimately went with Citizens, paid {$500.00} for an appraisal, and the resulting value was {$5000.00} less than our neighbor 's home - which is identical to ours. Not only did the appraisal take way too long to create ( XXXX weeks! ) the appraiser intentionally left off high-valued homes in our neighborhood and included a low-ball appraisal from a community XXXX miles away. We challenged the accuracy of the appraisal, and provided additional comps from our neighborhood. The appraiser rejected all of the comps we provided for various reasons but did not make any attempt to adjust for our home value including these comps. Citizens bank hid behind reform laws and now we are stuck with what we believe to be an inaccurate appraisal, have lost XXXX months of time going back-and-forth with the bank & appraisal company. 

I believe that Citizens ' bank is using appraisers that devalue properties so that people will have to borrow more money than the bank otherwise wants to lend, and as a consumer we have no choice but to use their appraiser! 

With the internet today, we have the ability to read reviews on restaurants, contractors, mechanics, dog walkers, stores, and anytime that we are paying money for goods or services. In this case, we had an appraisal selected for us XXXX and they were awful to work with! ) and we have no say in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hindman Sanchez P.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX, I was contacted by a law firm called Hindman Sanchez, regarding a debt owing to my HOA, managed by XXXX XXXX, in CO. Prior to that, we had paid our HOA dues by ACH, as we now reside in Florida. When I received the notice, I looked at my bank account and realized that the HOA had stopped submitting the ACH 6 months previously. I immediately wrote a check to cover the difference, but shortly thereafter received another notice that Hindman Sanchez was intending to pursue collections. I asked for clarification on what they were trying to collect, but did not receive a response. I then received a letter stating that they have obtained a judgment, but when I call them, nobody answers the phone. I have documentation of all the payments but can not get anyone to respond to my calls or emails. Any help you can provide would be much appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Not updating bank info

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: My complaint involves having to pay a personal property tax on my leased vehicle each year. I feel that this is unfair since I drive my leased car for pleasure only. I am retired and do not use the car for any business purposes, now or in the past. I 've been leasing since XX/XX/XXXX and on my third lease from Toyota Financial. I have been told that the tax office of XXXX County or the City of XXXX charges Toyota Financial a personal property tax on leased vehicles and Toyota Financial passes the cost on to each customer. At the start of each lease, I signed a notice that stated the vehicle will not be used for the " production of income or activities that involve the production of income. '' I do n't understand why the tax office charges the tax on a vehicle that is not used for the production of income. The most recent bill is for a XXXX Toyota Avalon which I no longer have. I turned this car in for a XXXX Avalon which I 'm now driving and most likely will have to pay another bill for personal property tax this year also. Since TFS paid the tax on my behalf, I suppose I have no choice but to pay them back. I just feel that this is a consumer ripoff. I appreciate any assistance you may be able to provide. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/26/2015 about Student loan (Non-federal student loan) with GREAT LAKES (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 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: Account information incorrect

Complaint: I contacted transunion on XXXX XXXX by mail to dispute inquires that were unauthorized by me. I have tried to contact them several times by phone stating that the inquires were not authorized by me. I stated that I felt that that were done my third parties companies. It has been over 30 days and I have not receive a response from transunion. I have requested several times to have these deleted. I also tried calling them on XXXX XXXX and XXXX XXXX. They stated there is nothing they can do and they will remain for 2 years. I feel for these inquires to remain is unfair to the consumer. The FCRA states that the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. I would like the below inquires remove. 

XXXX XXXX FXXXX XXXX XXXX XXXX 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 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.

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 08/15/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (SC).
Issue: Settlement process and costs

Complaint: yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Credit Bureaus are reporting information without a copy of my original signature, I have submitted section  609 claim  to all   XXXX   of the Credit Bureaus, which states that the credit bureaus can not report information without a copy of the original signature. They continually fail to removed the items off of 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 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: company has stated they will remove account from credit report, they have not done so yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX, XXXX XXXX which was the loan holder at the time now taken over by Navient, when the original loan was issued in XXXX my ex-husband XXXX XXXX, XXXX & his wife, XXXX XXXX forged my name & signature on the Parent Plus Loan online electronically using my name XXXX XXXX XXXX & Social Security Number from their home computer used all my personal info so they could obtain the loan & unknowing to me. This loan also did not need a co-signer since it was a Parent Plus XXXX which did not need a co-signer. So 8-1/2 yrs. went by & they were paying the loan, when suddenly they stopped due to financial reasons & stuck me with the loan. I tried every local resource the Dist. Atty., the local police, gathered all the information I could submitted it to XXXX XXXX ( at that time ) they claim there was nothing they could do even though it was identity theft. Long story short, I feel that due to the identity theft & fraud using my naming I should not be responsible. I addressed this w-my son & they brainwashed him & he told me my dad, XXXX XXXX, XXXX & his wife, XXXX are paying XXXX of his loans & basically he would not pay this loan at all and is now estranged from me over it. Pls. I need some help on this as I can not afford it to continue to pay it.

Company response to consumer: Closed with explanation