milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing the loan or lease

Complaint: Hello, I purchased my car from XXXX XXXX via Huntington National Bank financing on XXXX XXXX, 2012. It has recently come to my attention that my interest rate was not a reflection of my credit score at the time of purchase but rather an unfair Increase in order to make a greater profit from me. As a woman, with very little knowledge and experience about car buying I feel taken advantage of from XXXX XXXX and Huntington Nation Bank. 

At the time of purchase my credit score was about XXXX and my interest rate for this loan was quoted and charged at 9.50 % APR. I think this rate is too high for my credit score at the time and XXXX XXXX and Huntington National Bank used unfair credit practices towards me. 

Thank you, XXXX XXXX OH, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: APR or interest rate

Complaint: I signed up for a care credit card which was offered through my doctor office for the use of my visits. At first, they charged me {$2.00} for interest in the first 1-2 years and there after the interest spiked to an exorbitant amount. Below, are the excessive fees that are applied to this card. 

Interest charges are the following : XXXX/XXXX/XXXX {$790.00} XXXX/XXXX/XXXX {$340.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$63.00} Balance in XXXX XXXX ( prior to these large interest charges ) : {$2200.00} Current Balance as of XXXX XXXX : {$3000.00}

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 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have tried numerous time disputing hard inquiries with Experian. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Experian with no response. Some were Return To Sender. Experian refuses to delete them from my 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 explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do n't have the income at this time to pay back my loan and I 've been given the option of forbearance from Navient but not once was I told I would still be charged for interest until I read an article about Navient being sued and it mentioned it in the article.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (MA).
Issue: Managing the loan or lease

Complaint: To Whom It May Concern, We really need some help. We had a high interest loan through Honda Finacical since 2010 on a 2010 XXXX XXXX We recently traded in the vehicle to XXXX as they agreed to payoff the rest of the loan. We notified Honda of this the very next day after signing the contract with XXXX. The XXXX dealer needed the exact payoff amount and tried to call Honda Financial multiple times. They refused to give the info. to XXXX. I then called Honda Financial back who told me that if XXXX did n't make the payment right away they were going to mark us 30 days late on our credit. I told them we did n't have nor own the car anymore. I had a contract, paperwork, I could send to them. They did n't care. I asked them numerous times to contact XXXX to verify what I was telling them. They took XXXX 's info. but according to XXXX, did n't contact them. XXXX said they had consistent problems when dealing with Honda Financial and this was n't anything new. I ca n't tell you how many times we tried to contact Honda Financial. At XXXX point we spoke to a customer service rep named " XXXX '' who refused to give her last name. We then spoke to a supervisor named XXXX who did n't seem to care but told me I could fax her paperwork to prove that the dealer purchased the Honda. I faxed the paperwork but never heard a thing. Honda was determined to mark our credit 30 days late ( a mark WE NEVER HAD in 5 years of financing the vehicle! ) I think possibly they wanted to continue to charge interest? Finally after many days of going back and forth XXXX was able to payoff the entire loan. But not until more interest accrued and our credit was marked 30 days late! Why do n't these financial institutions care about people? My wife leased an XXXX last year ( through Honda Financial ) and is now hating it because of the way that Honda treated us. We are trying to purchase a home for our family and then negative mark on our credit is actually hurting that dream! XXXX wanted the payoff amount and Honda made it so difficult to obtain the info. We have documentation to prove that we signed the contract with XXXX to purchase the Honda BEFORE being 30 days late on a payment. Honda accrued more interest from making it hard to payoff this car but what did they gain from marking our credit report? Why did n't they want to help has after ( and continuing to be ) loyal customers for so many years?? Again, I would like to make it clear that XXXX was attempting to pay Honda on time so our credit would n't be marked with a late payment. Honda made this impossible and was not cooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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 02/16/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has changed the reporting of an account I have with XXXX. I have filed complaints previously on this and they last corrected it in XX/XX/XXXX only to be reporting it again as in collections. this account has been discharged in a chapter XXXX bankruptcy and is almost at the 7 year reporting mark do be deleted. this has continued to cause me severe harm in my working to establish credit and appears like it is done on purpose to cause harm and is violating the bankruptcy discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have an issue with personal information, Former or current employers, address & current employers not been up dated. Remove the correct information on my report. It has been now since XX/XX/XXXX and still information not updated or correct have sent in check stubs, XXXX   forms showing employment with the same company for over 2 years in half and as of this date not corrected and updated. this makes no sense on something this simple. I have also experience added or made up address and information not corrected on my file since XX/XX/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 08/26/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (IL).
Issue: Managing, opening, or closing account

Complaint: I was sent a unsolicited pre-paid Mastercard Debit with my name on it from an organization called netSpend, XXXX XXXX XXXX, XXXX TX XXXX, supposedly associated with a bank named " XXXX '' I did not ask for or apply for this card. It appears to be a fully functioning card ( except for activation ). I do not want cards that are linked to my identity being sent out without me having applied for or requested a card. I see this as potentially putting my identity or my financial security at risk. This is a lousy practice and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an account with Equifax and they deleted then I found out that they reinserted what previously deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: Reference Account Number : XXXX XXXX XXXX I got behind on my car payment ; Ally Customer Service Agent XXXX XXXX ( ex XXXX ) told me the amount to be paid {$880.00} to stop the repossession. XXXX XXXX told me to make the following payments via XXXX XXXX : XXXX XXXX, XXXX {$800.00} paid via XXXX XXXX XXXX XXXX, XXXX {$340.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was leaving for work a man in a XXXX car was outside my house taking pictures of my car. I thought that was strange so I checked Ally 's app, it indicated I still owed the {$800.00} and the additional payments were canceled but withdrawn from my account. This is not the first time Ally has misapplied payment and/or told me I owed but had already made payments. From the start of this car loan I 've made bi-weekly payments of {$170.00}, Ally continues to call multiple times a day prior to the second payment being made. I 've asked them to put notes on my file indicating the by-weekly payment, but to date they have not done so. Now they are saying that I owe {$920.00}.

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 06-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.

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 08-11-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Other

Complaint: I have an account with paypal credit and missed last months payment. Currently I am starting out in my career and trying to afford to live in XXXX XXXX and working XXXX jobs to pay my bills. I am stuck in an apartment I can not afford and can not afford the deposit to move to a cheaper place. So unfortunately I missed my payment for paypal credit last month. I will pay it as soon as I get paid again but in the mean time they have started to call my parents and harass them. I am XXXX years old and have not lived with my parents for 12 years. They actually have had huge financial struggles and lost their house that I grew up in and were forced to move to North Carolina where they could afford to live. I have never provided their information for anything relating to my credit. I do n't like to share this information with them because it would put too much stress on them since they are not able to help me financially. So paypal calling them and telling them how much I owe has them very upset. I do n't know how they got their information in the first place and paypal straight up lied and told my parents that they did not have my contact information. So why would they not have mine, even though that 's required to even open the account I opened with them, yet they have my parents info which I never provided with them. They keep calling them numerous times a day and it has my parents and me very very upset in this already difficult time. I just want them to stop calling and harassing my family that is incapable of helping anyways and giving out my personal account information with out any permission. I will pay off my balance it is just going to take me some time which I do apologize for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Trouble during payment process

Complaint: I bought a home in XXXX of XXXX. Because my bonus was paid a week after the closing date, I had to get PMI as I did not put down 20 %. Almost immediately, I requested from the mortgage originator the figure to pay the mortgage to the 80/20 split and have the PMI removed. After one month, my mortgage was sold to XXXX XXXX XXXX. I tried writing to them twice to the PMI removed. Nothing. I wrote a complaint to CFPB and they immediately sold the mortgage loan so as not to have to deal with CFPB. The mortgage was sold for the third time in XXXX of XXXX to SLS ( Specialized Loan Servicing ).  Beginning in XXXX of XXXX and through the present, I have written three letters requesting that PMI be removed, agreeing to pay the balance to bring the LTV to 80/20 and providing comps from a realtor providing updated values for my home. The value of the home has increased at least {$30000.00} due to a variety of factors. What have i received from SLS? The same form letter over and over again stating that I needed an appraisal that would cost between $ XXXX and refusing to answer how they calculate the value of my home or LTV. I have also called and received the same response. At this time, I am seeking the following : 1. ) removal of PMI immediately 2. ) reimbursement of the last six months of PMI while I was jerked around by SLS. 3. ) any fines or penalties applicable to the conduct of SLS such as Unfair Trade Practices or Consumer Fraud. I would also be happy to join in a class action or serve as a witness in a state or Federal inquiry/investigation of this Company

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 03/13/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: Chase XXXX credit card charged me XXXX service fee even when told them that I am not going to use this credit card and do not require their services for travel. The Chase representative refused to refund XXXX fee, even I told them that I am not going to use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2016 about Credit card () with DISCOVER BANK (MD).
Issue: Privacy

Complaint: Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.

Company response to consumer: Closed with explanation