milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
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: Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards 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 monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
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: 1. BANK OF AMERICA- They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then BOA, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information Bank of America ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from BOA claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from BOA and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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 05/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA-They are required to '' Promptly delete all information which can not be verified '' that I have disputed. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: I found a fraudulent charge of {$43.00} on my BankAmericard on XX/XX/XXXX. I immediately called Bank of America ( BOA ) and put it into dispute. They got back to me, credited my account with the {$43.00}, and said they would do an investigation. No other fraudulent charges were found so I did n't report the card number as stolen. On XX/XX/XXXX, my account was re-charged with the same {$43.00}. When I questioned BOA I was told the vendor said they had shipped the merchandise to me and it was delivered. I said " No, I did n't order anything nor did I get anything delivered ''. I, once again, stated this was a fraudulent charge and I wanted it removed. BOA has refused. I then tried to find contact information on the so-called vendor and it does n't exist! XXXX is also involved, as the original charge came through XXXX. They refuse to help because they say my credit card has jurisdiction over them. I also asked XXXX for the contact information on the vendor. They could n't find it either!! On the morning of XX/XX/XXXX, my BOA credit card blew up with over {$10000.00} in charges. I immediately called, all attempts were denied, we immediately cancelled my card and BOA is issuing me a new one. Guess where the {$10000.00} in attempted charges came from? Yep, the same vendor!!!! While BOA has no problem taking care of the {$10000.00}, they are still refusing to remove the original {$43.00}. I want the original {$43.00} fraudulent charge removed. That 's all I am asking.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Balance Transfer submitted back in XXXX and still not applied to account. Amount still showing on statement. Company wo n't produce proof that payment made to XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The creditor told me they have a snap shot of my credit and it looks pretty good, that they 'd hate to damage it, then told me I had a bad attitude and he would n't speak to me and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Mortgage (FHA mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: OnXX/XX/XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below XXXX  and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. I do not have any bad debts with Wells Fargo and there is no indication as to where this money went - or to whom.

I immediately called Wells to report the transaction as fraudulent and was told to call back later. I called again and was told Wells would investigate and follow up with me in a couple of days.

I did not authorize this transaction and have no way to tell where this money went. Given the past well-documented problems Wells has had in the recent past with this sort of problem, I am not confidant I will ever see this money again. 

Please contact Wells Fargo Fraud division and help me get satisfaction.

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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the validity of a Bankruptcy that is being reported on my credit report. I contacted Experian and advised them that there was a Bankruptcy on my report that was not mine so i asked them to remove it, They sent me back a notice that the account was mine and that they validated it. I then asked them to provide to me the name of the person and the process that they used to verify this account in accordance with FCRA 609 and they have not provided me with this information i then requested that they reinvestigate the account and i provided them with the copy of the letter from the U.S Bankruptcy court in XXXX MD. that states that they do not provide information to the Credit Bureaus and i explained to them that they were in violation of FCRA 609 and FCRA 15. I received a letter from them stating that unless i had new evidence in regards to this dispute that they were not going to reinvestigate which is also a FCRA violation, I have been hung up on by the XXXX representatives and the XXXX and also been told that they are not in Violation of any FCRA rules. a search by a third party is not a validation of accuracy anyone can logon to the public website and put in a name or docket # and get the inaccurately reported information. I plan on filing a small claims court case against Experian for defamation and inappropriate reporting if they do n't remove this bankruptcy immediately. i am asking for them to remove a bankruptcy that has no money attached to it and not associated with any account of mine.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: These are all pieces of Junk mail I have received from Chase Credit Card, all the agents in the mail they have mentioned are not reachable. 

They make it like that, so that the customer scratch their hair away from their heads, and chase have purposely transferred all of their call centers to Non English speaking nations so that the customer gets fed up of the Call center representatives and hangs up the phone, now everyone does n't know about consumer finance website and how to go to court to get their problem solved, so chase is taking advantage of that. 

In one of the letters I was asked to contact " XXXX XXXX '', and given a case Number " XXXX '', but when I contacted on the phone number given, XXXX was not over there and the representative did not need my Case Number, she asked for my account number, so why was this case number given at the first place? 

On the second letter you can see - chase gave me a duplicate credit and said they are correcting it by reapplying it but instead they reapplied the charges two times, giving me no credit at all, here are the charges - {$100.00}, {$100.00}, {$140.00}. 

Now there was a letter from chase to contact " XXXX XXXX '' for the charges - {$47.00}, {$170.00} and {$720.00}, but whenever I called the number, he/she were never available, nor I received a callback from this guy. 

I recieved a letter from executive office, I contacted them but there was no response at all, nor even a courtesy callback, there is no respect for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do.

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