milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Taking out the loan or lease

Complaint: I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I have a Paypal account that I have used for over 10 years primarily to make purchases. On XXXX XXXX, 2016 my Paypal account was frozen with the message, " Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We would like to learn more about some of your recent transactions. '' I called Paypal and spoke with XXXX, who told me that she could give me no information other than that my account was frozen for 180 days. My issue was escalated to XXXX. He told me that the account was frozen and the money was being held to deal with any potential disputes with my account. He also could not tell me what transaction was the problem or why my account was frozen. 

I tried contacting Paypal again on XXXX XXXX, 2016. I received a message back that my account was permanently limited and my money would be held for 180 days. I currently have {$3100.00} in my Paypal balance. This money was primarily loaded from my personal checking account to make purchases. Paypal has locked my account and is attempting to keep this money without offering any explanation. The closest I have got was that it was held for potential disputes. But this is ridiculous as there have never been any disputes in my account in the over 10 year history it has been open ( and also none since they limited the account nearly 3 months ago ). It appears that Paypal is attempting to steal my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service issues

Complaint: i bought an item from XXXX thru paypal, paid, waited about 1 month and then usps tracking showed item was avaliable for pick up, i went to usps and they dont me that the package was not there, i kept calling them and they said they cant find the package..

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying on this loan which was originally {$17000.00} starting in XXXX and on XXXX XXXX I decided to pay off the balance which at the time was {$7300.00}. I paid it directly through the Navient website and it was debited from my account on XXXX/XXXX/XXXX which I still have my statement for. The very next month I started getting emails about my payment being late. The first time I called the woman told me not to worry. It took 4-6 weeks to process repayments. I continued to receive late notices. I called again and was then told I sent my check to the wrong address and they would have to refund it to me. I reminded them I paid through ACH on THEIR website not with a check and that I had my statement showing it came directly out of my account. I was told at that point they would cut me back a check. I waited about 4 weeks and was still getting late notices when I called again to find out where my check was and to try to resolve the late fees and interest they were charging me. I was told again it was my fault, that I sent a check to the wrong address and the turn around to cut me back a check would be 6-8 weeks. They waived 2 months of late fees but did not waive interest accrued and although I bumped it to three levels up they all denied I paid it through their website even though I told them I had proof on my bank account. I had to pay over {$800.00} to get my account straight which was a whole other dibacle. I did finally get my check however I now have a XXXX balance on a loan I tried to pay off 7 months ago. They are taking out way more in interest than they should and they wo n't allow me to pay the loan off. I am at a loss as to what to do. They definitely have deceitful lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.

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 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 12/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I financed a vehicle through Ally Financial in 2016. I made my first payment on XX/XX/2016 which was not due until XX/XX/2016. In addition to the scheduled payment I made an additional payment to be applied to principal. However, the additional payments keep getting applied to the future monthly payment instead of the principal balance. I 've called Ally and spoken to customer service and a manager. Each time I get assured that the account will be updated and that future excess payments will be applied to principal. However, this is not occurring, I have to keep calling each month to make sure that they apply the excess payment to principal. My account transaction history is a mess because of so many reversals and postings. The account running balance is not displayed in the transaction history. I believe that Ally 's practices are illegal because by applying the excess payments to the future payment instead of the principal they get away with collecting a higher amount of interest based on a higher balance.

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 12/19/2016 about Money transfers (International money transfer) with CITIBANK, N.A. (VA).
Issue: Other transaction issues

Complaint: This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.

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 12/29/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX
XXXX XXXX XXXX, MA XXXX

(XXXX) XXXX

this company is not licensed in Florida and needs to remove this from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Prepaid card (Payroll card) with REGIONS FINANCIAL CORPORATION (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.

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 04-09-2015 about Mortgage (VA mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: On my husbands credit, it continues to show late payments for months now on a property that was foreclosed in 2009. The company is Real Time Solutions. We are not able to move forward to buy a property because of the damage this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: After several requests, TransUnion has not removed my credit freeze. This has negatively impacted my credit rating.

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!

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 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, Diversified Consultants , Inc . 

The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I had a car loan financed with Wells Fargo Dealer Services acct number : XXXX under the name of XXXX. Vehicle loan was paid in full since XX/XX/2016, they advised I should receive XXXX within 30 days ... it has almost been 150 days!!! I have called them numerous times, all I get is : we have an Issue with your title, let me transfer you to the department that is handling your case??? Until today,, Friday XX/XX/2016, I have not received my XXXX, a letter, a call, an email, or anything on their behalf ... What 's going on??? Every time I call them, they disconnect my call!!! Please help!!!! Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: My social security number, birth date and other unique personal information is potentially at risk of being exposed. This is a consequence of the Equifax data breach that was widely reported, XXXX. I went to the FTC online link to see what precautions I should take : I froze my credit files at Equifax, XXXX and XXXX from their online sites, XXXX. 
I went to XXXX, XXXX, to secure copies of my current credit report and was able to obtain these reports from XXXX and XXXX. Equifax was unable to do this electronically directed me back to annualcreditreport site to print out an Annual Credit Report Request Form to mail it to the XXXX XXXX XXXX XXXX in XXXX. I completed the form, XXXX, with my unique personal identifying data and mailed it off certified mail, return receipt. 

Frankly, this is XXXX Equifax but my personal data at risk for exposure. They provided a website to identify those at risk along with a scam offer. That really does nothing more than make them some money, yet providing no long term help for those exposed. The other credit reporting agencies provided reports instantly upon request, but Equifax could n't. Honestly, this is really poor XXXX XXXX XXXX from Equifax. 

Perhaps the CFPB next project should be Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Payday loan debt) with Check Security Associates, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: First of they call back to back numerous times. Finally I said let 's break of in payment and send it for me to go over and sign. Then I emailed and said dates are not right. They can call but they wo n't talk threw email or letter and with me I like things in writing. So they called back to back again 2 days straight so today I finally answered but when they started talking I had to hang up because my boss walked in. So they called numerous time after that then called a relative telling them all my information and that to me is unprofessional. My relative called me upset asking why they telling her all my business. I 'm so upset right now because this is unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Delinquent account

Complaint: THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.

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