milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Lease) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : XXXX ....

Company response to consumer: Untimely response
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I closed my Citibank account in XX/XX/XXXX because I find their online portal to be unhelpful. I was issued a {$35.00} refund to my account after closing it, and Citi told me they would mail me a check in that amount. It is now XX/XX/XXXX and it has never arrived. i just called today and they are apparently looking into the issue, but " do not know what has happened. '' While the amount is small, I want my refund as a matter of principle and because the company is so disastrous overall in terms of customer service. 

I closed my account after being unable to use my card multiple times, and constantly being locked out. XXXX XXXX and XXXX are both much easier options, as well as 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 02-12-2018 about Debt collection (Auto debt) with United PanAm Financial Corp. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission removed ''. 
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 02/16/2017 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Rewards

Complaint: I upgraded my TD bank credit card to TD cash as part of a promotion. According to the promotion if I spend {$500.00} in 90 days, I would receive {$150.00} back. I spent the {$500.00} within the 90 days but then it turned out one transaction did n't go through properly resulting in {$470.00} spend for the allocated 90 days period. I tried contacting TD customer service 3 times and every time I was promised a supervisor will get back to me but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

Thank you

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 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Allegedly, I enrolled into TransUnion and attempted to put a lock/freeze on my credit report. That feature will not work. I looked for a fraud alert capability and could not find one. I feel I paid for a defective service which makes me wonder what else does not work. I enrolled in XXXX and XXXX. The results are better at XXXX and XXXX is superior to both XXXX and TransUnion. I did the XXXX signups to compare them. I 'll likely drop XXXX and stay with XXXX service. I rate them as XXXX is Superior, XXXX is Average and TransUnion is Below Average. So, if you are a D student and enjoy being stupid, TU is for you. If you do n't care but feel you need something, and have realized services like XXXX are worthless money grubbers ( allegedly, and they were class action sued for being a poor service ), but you are smart enough to know you need something to protect yourself, the XXXX is for you. If you respect yourself and you want the best service for your own benefit, then XXXX is your best choice out of the XXXX services. Remember, it 's only getting worse. Also, beware of people or companies who can file and grant you credit with or without a good credit report. So, the insurance offering is a good thing. Please email your congressman, state and federal, and force them to classify identify theft as a major felony with minimum sentences equal or higher to XXXX, XXXX and people who commit treason. Literally, do n't let people who steal peoples life savings and XXXX up their lives get off easy. Make it a life sentence or if severe enough, 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 08-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: I had applied and was approved for the XXXX XXXX XXXX XXXX with the ability to earn XXXX XXXX points after spending {$1000.00} in 90 days. I have completed the spend requirement along with paying off the card. My first statement shows that I am owed XXXX XXXX points. It has been almost two weeks since this statement has closed and both Barclaycard and XXXX refuse to give me a straight answer as to where my points are and why they can not link my card to my true blue account. I have spoken with both sides and not one can give me a straight answer other then they are holding over XXXX points that I rightfully earned hostage.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Sale of account

Complaint: This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  XXXX   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 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.

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 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I want Trans Union to removed the XXXX out information for the accounts being reported on my Credit report for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Consumer Loan (Personal line of credit) with Westlake Services, LLC (CA).
Issue: Account terms and changes

Complaint: 2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

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 05/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, I sent a letter to Experian requesting that they remove all closed accounts, all accounts that are older than XXXX years or all unverified accounts. I received a response from Experian, however, it was n't what I asked for. They only sent me a credit report. The report had nothing removed, deleted or updated. Nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX. Should 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 08/24/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Billing disputes

Complaint: I mailed a payment into Lowe's/Synchrony Bank. The bank held my payment until it was a day late causing a {$25.00} fee.

Company response to consumer: Closed with monetary relief