milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with VW Credit (OR).
Issue: Managing the loan or lease

Complaint: We financed a XXXX Volkswagen XXXX which became part of the VW Diesel scandal. We opted to return the vehicle and receive the compensation that was offered. As part of the terms of settlement, our loan was to be paid off directly with the remainder of settlement funds paid directly to us. We turned in our vehicle on XX/XX/2017, and within 3 days ( as per the settlement terms ) received a direct deposit of the funds owed us beyond the financed amount. We were informed that the loan would be paid off AS OF THE XX/XX/XXXX, the date we turned in the vehicle. We were also informed that overpayment would be sent to us directly from VW Credit. In early XX/XX/XXXX, we received a letter from VW Credit indicating a payoff date of XX/XX/XXXX. It is now XX/XX/XXXX, and we have yet to receive our check for overpayment. We had sent correspondence directly to VW Credit and informed that it could take several more weeks to receive our overpayment. Clearly, if we were several weeks overdue in making a loan payment, we would be subject to interest and late fees. The delay in receiving the refund of overpayment seems unreasonable. VW Credit has had our funds ( and those of thousands of other settlement participants ) and has benefitted from the delay in refunding overpayment to us. Our demand is as follows : 1. Payoff date to be modified to reflect a XX/XX/2017 payoff - the same date that we turned in the vehicle and no longer had use for it. 
2. Immediate payment of our reimbursement to include interest and late fees ( as would be calculated by VW Credit if our payment was late ) back dated to XX/XX/2017. 
3. An investigation into the delay and whether in the aggregate the withholding of prompt payment and failure to use the settlement date as date of loan payoff has inured to the benefit of VW Credit and against consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ally is reporting a paid account as collection. See attached agreement re : their unlawful repossession and ultimate agreement that they will report paid and remove negative actions after date of repossession

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 09-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received phone calls at least twice a day every day. I have written letters to request validation of the debt and no reply. I have never had a XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with American Coradius International LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I am currently under contract with Big Pucture Loans LLC. I borrowed XXXX XX/XX/2016 and I am still paying on it. It has a apr of 783.0324 % which is outrageous. The total i will pay out will be XXXX. When i went online to find out how contact them a headline stated the company was fraudulent. I then found out they are not authorized to conduct buisness in the state of Washington due to the outrageous APR.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.

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 06/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have multiple issues with Bank of America to start off with. I have had to cancel my card multiple times due to fraudulent activity with the same company ( XXXX ) twice already, taking money out of my account and once with another company. Is n't that what the chip is for? For better security? This has n't only been frustrating but a pain because I ca n't use any of my money because my card is cancelled, also frustrating because I 've had a new card 4 times already and it has n't even been 2 years! Another thing is, I use an app called XXXX, which allows me to access my paycheck early so I can pay bills, etc. It relys on Bank of America to send information in a timely manner such as account balance and recent transactions in a timely manner in order to do this. Bank of America highly slacks in speed towards their customers, even on business days, it took them almost 3 days to relay information during the week which is unacceptable when I 'm trying to manage my money. One last thing is, I honestly think it is outrageous how many fees Bank of America charges to use YOUR OWN MONEY. If you withdrawal too many times you 're telling me you 're gon na charge me a fee? That 's ridiculous. And if I transfer MY money between MY accounts too many times you 're gon na charge me a {$10.00} fee? I think this is ridiculous and all of these issues should be looked at. Not all banks operate this way.

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 05/14/2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (OK).
Issue: Managing the loan or lease

Complaint: At approximately XXXX on Wednesday, XXXX XXXX, I received a phone call from US Bank. I do not remember the representative 's name. I was however, only verified with the last XXXX digits of my social security number and nothing else. He proceeded to tell me that he was calling because he was showing that my car payment was past due, and that the payment was due on the XXXX of XXXX. I was NEVER read a mini-miranda statement before this conversation happened. I let this representative know that the reasoning behind this payment not being made on the XXXX is because I called US bank on XXXX/XXXX/2015 at approximately XXXX, and spoke with a representative whose name was XXXX, and she changed my due date to the XXXX. That I was told that it would take approximately XXXX days for this payment date to process within their system. I asked XXXX is I would receive a new statement, and was told that I could just mark the XXXX off of my current statement and write in the XXXX. He stated that their system does show that my due date is the XXXX but for the next billing cycle, and if I do n't pay my payment by the XXXX that I would receive a late payment charge on my account. I told him that I was told to pay on the XXXX of XXXX, so I do n't want to make a payment today, because I was told that the due date is the XXXX. He then proceeded to tell me that I should definelty dispute this, meaning that I should call them back to dispute this. I told him that he called me, that I wanted to speak with his manager in regards to disputing this information. The representative came back on the phone and stated that I would need to speak with the customer service manager in regards to this dispute because his manager would not be able to help me. I was then transfered to XXXX. XXXX told me the same thing that the previous representative told me. I let him know that I would be contacting the CFPB in regards to this, because this is a UDAAP issue. I will not be making my payment to US Bank until the XXXX because that was the date that their repesentative stated that my payment was due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted disputes several times with Transunion concerning accounts I held with XXXX XXXX XXXX XXXX. Transunion continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher XXXX XXXX XXXX. I was forced to take legal action against XXXX to try and have these incorrect reporting cleared up. XXXX has furnished information which makes it clear that it is not the data furnished, but how Transunion is using that data. It seems Transunion is not capable of reporting these accounts correctly and I would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and XXXX 's internal notes on my accounts, as well as Transunion 's 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 non-monetary relief
Consumer complaint received 01/17/2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm on monthly payments under Bankruptcy Chapter XXXX to stop the foreclosure, my Attorney try to get Loan Modification and the Bank denied all the time, which I 'm paying very high APR XXXX since XX/XX/XXXX.XXXX on XX/XX/XXXX sold the mortgage to Seterus. I would like to know if qualify about the high interest or some thing else.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with Helvey & Associates (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Billing disputes

Complaint: There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.

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 05-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was a young personal looking to take my carrier into a different direction. After the mortgage industry crashed around 2003, I looked into an education at California XXXX XXXX in XXXX XXXX CA. I was told by admissions that I would leave the school with an education that would provide with exceptional income as a XXXX. No job assistance was provided by XXXX. All I ended up with was {$120000.00} bill to repay, destroyed credit, and divorced behind all of this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

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 01/18/2016 about Credit card () with CITIBANK, N.A. (WV).
Issue: Payoff process

Complaint: XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief