milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease

Complaint: In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with DriveTime (CA).
Issue: Shopping for a loan or lease

Complaint: I purchased a vehicle XX/XX/XXXX from Drivetime ( Car Dealership ) and they are not reporting my pmt history to any of the XXXX credit bereaus because of a prior BK that was closed XX/XX/XXXX. I have since opened other accounts with other companies and they are all reporting. Im trying to rebuild my credit and they promised me that they report to all XXXX bereaus and they lied because THEY ARE NOT.. All i want is for them to report my history with them. Ive made every payment on time and want it shown on my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (IL).
Issue: Account opening, closing, or management

Complaint: I paid off my account with Ally Bank for the purchase of my car in XXXX and received a letter from them dated XXXX XXXX, XXXX but have not received my title for this car ( XXXX XXXX XXXX XXXX I called them Tuesday and they say that the title was sent to me on XXXX XXXX, XXXX but I have not received it and they are saying that they can not issue me a duplicate title that I have to go to the Sec. of State and pay {$100.00} to get a duplicate title am XXXX XXXX XXXX and have paid enough for the car. They have all the information on my car and should be able to issue a duplicate title. Yesterday when I called them and asked to speak to a supervisor they said that there was no one there while speaking to the same person that I spoke to on Tuesday and that I could leave my phone number and they would call back in XXXX to 48 hours. I do not believe that there was not someone in charge that I could talk with to try to get this problem resolved. ALL I WANT IS THE TITLE TO MY CAR. Are they this rude to everyone that calls with a complaint? I do n't want to be lied to just tell me the truth.

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 10/24/2016 about Bank account or service (Savings account) with NEW YORK COMMUNITY BANK (FL).
Issue: Deposits and withdrawals

Complaint: This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Short summary : Wells Fargo did not prepay my property tax for no reason when they willingly prepaid another customer 's property tax Details : My complaints are about Wells Fargo 's practice on customer 's mortgage escrow account. I sent an online message to Wells Fargo ( WF ) on XX/XX/XXXX to ask if they can prepay my property tax that is due in XX/XX/XXXX. This was after the tax reform bill was passed. The response I received said WF could n't honor my request because the escrow funds will be disbursed earlier than anticipated. Hence I prepaid the tax bill with my own funds. Later on XX/XX/XXXX when I was talking to a friend who also has a mortgage with WF, I found out that his property tax bill was prepaid by WF. He told me that WF was even willing to lend money to prepay the tax bill as there was not enough funds in the escrow account. I requested an explanation to WF but they have not provided me any so far. I have been nothing but a great customer. I have not had any complaint before, and my payments are always on time. Only reason I have had my mortgage with WF is because it was sold to them by the local lender that I originally obtained it from. WF should not be allowed to buy mortgage from other lenders without customers consent.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following is copied from the email I sent to XXXX : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from XXXX. I need XXXX to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what XXXX is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time XXXX messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the Consumer Protection Bureau to file yet another complaint against XXXX! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Computer Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.

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 explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged  on  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX ,  XXXX , and Equifax on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was discharged and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with Midwest Recovery Systems (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Disputed debt, failed to respond to Dispute Notice, continues collection efforts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We filed the background on this issue previously [ Case number : XXXX ]. 
No one at Citi admits fault ; however, they finally ( after more than 6 months ) have authorized a " modification '' to our loan. 

The remaining issue is that the people and processes inside Citi appear to be incompetent. No one shares information. Records are not updated properly. 

Although we continue to make on-time payments, we are charged " late fees ''. We continue to get " Important '' telephone calls from Citi. We have a " specialist '' assigned who no longer communicates with us or responds to email. A recent message through the internal messaging system received a reply alleging " I spoke to our collections unit and they state there is? no? modification on file for this loan. '' And yet, there is a modification on file _somewhere_.

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 10/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NJ).
Issue: Struggling to pay mortgage

Complaint: Company wrote letter advising HELOC was charged off. Also credit reported initially that way as well. Did not see copy to CFPB. 

Claim was for XXXX period damages coersion forcing modification of their HELOC to allow MOD of first to XXXX XXXX which they serviced. Refused reasonable short sale not advising XXXX they would be paid in full. 

Now they are again starting collection against us after advising they had done XXXX 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 explanation
Consumer complaint received 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (WI).
Issue: Shopping for a loan or lease

Complaint: I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with DriveTime (MS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it 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 10/13/2017 about Debt collection (Private student loan debt) with GREAT LAKES (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a complaint from XXXX XXXX ( consumer ) against Great Lakes for XXXX XXXX failure to provide requested information for the debt. On XXXX XXXX, XXXX, consumer ( through legal counsel ) responded with a written request for documentation, as this debt was included in a consolidation by XXXX. 

It has been nearly a month and a half since this request, and we have received no response. In addition, Great Lakes has began attempting to collect this debt via a third party debt collector since the date of the letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Medical) with GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off all of my bills and should not have a collection on my record. Please help.

Company response to consumer: Closed with explanation