milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with KEYCORP (CT).
Issue: Account opening, closing, or management

Complaint: I closed my bank account last week. I thought everything cleared, but did n't realize my car insurance had n't come out and even though I closed the account ( or so I thought ) the payment tried to pull. I got charged a NSF fee of {$38.00}. Another payment that was NOT authorized by us to come out was paid by the bank EVEN THOUGH I CLOSED THE ACCOUNT. That was ANOTHER {$38.00} charge. Now I 'm told that even though they are REFUSING to pay the car insurance bill, they are STILL going to charge the two overdraft fees that will come about from XXXX trying to withdraw. I called to speak to the branch manager but got someone else. She was going to supposedly talk to them about reversing the fees and NEVER called back. I was also informed today that even though I closed the account and SIGNED to close the account, it has to stay open for SEVEN days. I WAS NOT INFORMED OF THIS WHEN I CLOSED THE ACCOUNT. I had no idea it was even open still!!! Since when do bank accounts stay open after you close them? WHY did n't they just reject the payment?? KEYBANK is rip off. The customer service is terrible. I 've never had this issue with a bank in all my years. If an account is closed, it should be CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Re : Chase Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a Chase bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company XXXX XXXX. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
XXXX XXXX had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by XXXX resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against Chase bank proves wrongdoing by XXXX XXXX, debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Vehicle lease) with GFS II, LLC (MI).
Issue: Problems when you are unable to pay

Complaint: The following complaint is against Gateway Financial Services at XXXX, MI for not sold a car in a commercially reasonable manner. 

I bought a XXXX Chrysler Voyage with approximated XXXX miles with auto lease from Gateway Financial Services in XXXX, XXXX. Having a financial hardship during XX/XX/XXXX-XX/XX/XXXX, I decided to voluntary surrender the car with Gateway Financial Services. At that time, I could not afford to make payments to the car. I surrender the car with XXXX miles in good conditions at XXXX, XXXX. The outstanding balance was {$8600.00} at XXXX, XXXX. 

After surrendered the car, I received a letter to notify me a deficiency balance for {$8500.00} because the car was sold by only {$510.00}. This is really suspicious since the car value was at least XXXX times more, and it represents 5 % of the outstanding balance at XXXX, XXXX. However, the problems do n't stop there because the company, Gateway Financial Services, sue me through the XXXX district court of the State of Michigan this XX/XX/XXXX for a value of {$13000.00}, where the balance was {$10000.00} and the interest accrued was for a value of {$3600.00}. Unfortunately, I was transitioning my home, and I could not object the garnishment on time. Nowadays, I had been garnished my paycheck for a value that is more than the original monthly payment with them. 
Having this troubles and do n't understanding how to deal with this firm, I approach to a financial coach associated with XXXX XXXX. He suggested me to made this complaint through the Bureau of Consumer Financial Protection because all the irregularities committed to Gateway Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XX/XX/XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XX/XX/XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at XXXX XXXX XXXX and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.

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 06-04-2017 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: Experian has re-added a previously deleted account. As of XXXX 2017, XXXX XXXX was no longer appearing on my credit report. Suddenly today, experian re-added the account to my credit file. This account was previously removed by Experian, XXXX & XXXX as this account was fraudulently opened.

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 11/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a State of CT Superior Court Small Claims letter to appear in court for Midland Funding/XXXX without any information pertaining to this debt

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 WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra harassment phone call not mine no knowledge of account wells fargo XXXX from wells 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 12-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with Transunion , LLC since XXXX 2016, to notify them of fraudulent activity on my credit file. I have sent them copies of certified return receipt letters that were all signed for to several creditors, as proof. I have also allowed each creditor well over 120 days to provide me proof that these accounts and inquires that were in question by me were truly mine, however, the remaining ones that are on file are still there, after they have failed to provide me proof or even respond within the allowable 30 days, when I have allowed 120 days for a response!!!!. I have sent XXXX in the Specialty Priority Department at Transunion the police reports of where XXXX of my homes got broken into and my vehicle all on different days as she requested in XXXX of 2016. She informed me that she would then correct my file through other procedures that they had in place at Transunion after receiving the police reports from showing the break-ins. I have called Transunion repeatedly for two weeks now to check the status and they keep transferring to different departments saying that XXXX never uploaded the documents and that there is nothing they could do at this time. XXXX representative went as far as to tell me, that I sent them to the wrong fax number. I told the representataive that the fax number I had came straight from XXXX in the Specialty Priority Department and I verified the fax number she gave me several times to make sure it was correct. However, the representative XXXX XXXX said the correct fax number should be XXXX instead of XXXX. I asking for the Bureau of Consumer Financial Protection, to enforce Transunion to correct my credit file immediately, deleting the fraudulent accounts off of my credit file along with the inquires listed on my credit file, which I never gave authorization for as reported on my credit file. The accounts that are fraudulent are : XXXX XXXX needs to be removed and any collection account activity, XXXX needs to be removed and any collection account activity, all XXXX inquires needs to be removed as listed on my credit file.

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 03-09-2016 about Debt collection (Payday loan) with ACQ Holdings, LLC. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MO).
Issue: Managing the loan or lease

Complaint: When I got this loan in XXXX it was promised by both the bank and dealer that if I made payments on this vehicle for twelve months they would then lower the interest rate on this vehicle loan. This never happened. It is now XXXX and the rate is still excessively high and does not qualify for refinancing. This bank is very misleading and I can not wait to get rid of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My loan was in deferment/forebearance and XXXX reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains. I contacted Trans UnionXXXX and XXXX and they said they were going to contact XXXX and nothing ever happened.

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 10/20/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit decision / Underwriting

Complaint: Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my expected salary XXXX an increase from my current salary ). Capital One waited over one week from the time the offer letter was submitted to them, in order to notify me that they would need a paystub from my new place of employment before closing on the loan ( this was over 3 weeks from the time of the application ; and more than one month from the initial contact with the bank ). They did not want any other means of verification. I knew from speaking with other lenders that changing jobs would be an issue, and so I SPECIFICALLY ASKED the loan originator what the bank 's process was. He failed to mention that a paystub was required when the question was SPECIFICALLY ASKED upon applying for the loan. Had they even given the slightest indication, the faintest hint, that this would be an issue, I would have started the new job prior to close and been able to provide this documentation. Due to their lack of guidance I was not aware of this requirement, and because to the company 's pay schedule, will not receive my first paycheck until 3 weeks after the scheduled closing date.. Now I have to find somewhere to live in the new city so that I can start this job, I will probably lose the house if it is put back on the market, I am out all of the money I paid for credit checks and appraisals, and I have wasted one month in finding a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with Receivable Solutions, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receivable Solutions, Inc. # XXXX XXXX XXXX {$510.00} is not my debt and I have requested on several occasions to have this account removed from my XXXX  and XXXX credit report. I DO NOT HAVE A CONTRACT WITH RECEIVABLE SOLUTIONS AND DO NOT OWE XXXX XXXX AND MONIES AND DEMAND  THESE ACCOUNTS BE TAKEN OFF MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both XXXX and TransUnion Credit Bureau. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The XXXX /TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "

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 07-10-2017 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: Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.

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 05-11-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.

Company response to consumer: Closed with explanation