milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Trouble during payment process

Complaint: I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
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Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
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LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with I.C. System, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (FL).
Issue: Managing the loan or lease

Complaint: Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never engaged in any business with XXXX nor have I received any products or services from this company to whic IC Systems is trying to collect payment for.

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 02/21/2017 about Payday loan () with CURO Intermediate Holdings (IL).
Issue: Received a loan I didn't apply for

Complaint: I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit determination

Complaint: Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i found that this account is not belong to me and i found that this account is damaging my financial life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've called Experian numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 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: Information belongs to someone else

Complaint: I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  4 s s # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks

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 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDICO. INC (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: We got a letter today saying they will take money out of our bank account, but the money was taken out 2 weeks ago, without notifications. We have dealt with this company before, bad practices! They have taken over $ XXXX over the years and have not got a XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (DE).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Billing disputes

Complaint: I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.

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 12/20/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax mishandled my personal sensitive information, along with 200,000 other peoples ' and allowed it to be leaked to hackers. According to their website, equifaxsecurity2017.com I am a potential victim. There was no notification, even though this was known to Equifax executives months in advance. 
I would like to see a rectification for this grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATEDXX/XX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

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 07-01-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently Received a negative credit report concerning a hospital bill from XXXX XXXX XXXX XXXX, A XXXX hopital. I have XXXX XXXX community plan XXXX and have had it for the last three years. I also have been approved XXXX in XX/XX/XXXX, and have since been trying to maintain and build financial data. Being covered under medicaid I am sure that the bill was taken care of or simply not properly filed by the hospital in question. I have a history of XXXX XXXX and maintain multiple doctor appointments The debt is held by DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I intend to contact them and try to get the remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Payoff process

Complaint: I was traveling last week and knew I had an upcoming Auto-Payment set for my Capital One credit card on XXXX XXXX from my primary XXXX checking account. The Auto-Payment was just less than my current balance so I linked a XXXX checking account to my credit card to pay the monthly bill with. I selected to make a one time payment for the amount due for the month on XXXX XXXX from that XXXX checking account and verified the details before submitting. I thought all would be fine. Upon returning today I checked and saw that the one time payment had been processed to my primary account, not the XXXX as I had requested. To further aggravate the situation, the Auto-Pay was processed as well for the full amount, even though my account should have show a XXXX balance on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Wells Fargo is charging nusisance fees on my interest free card marketed as a balance transfer card. I am still within the zero interest period. BTW the bank places the onus on me to recall what the period is and DO NOT issue timely reminders. Oh " great '' customer service, right? 

They refuse to reverse the current fee. This from an institution that has been assessed serious penalty for phantom accounts. Now they are trying phantom transactions under the noses of customers who like myself have been with them for over 20 years when they were Wachovia. 

The agreement is " interest free '' I only pay the balance and DO NOT incur any transaction fees since I DO NOT and HAVE NOT made any purchases that would incur an interest charge. 

On its face this is a violation of state and federal banking regulations and please tell other consumers by way of this complaint to watch out.

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 09/24/2015 about Consumer Loan (Vehicle loan) with HONOR FINANCE, LLC (AZ).
Issue: Taking out the loan or lease

Complaint: I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.

Company response to consumer: Closed with explanation