milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle lease) with VW Credit (MD).
Issue: Managing the loan or lease

Complaint: I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys. 

I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use. 

XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused. 

Can your agency help people in my position. I am one of many in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: i have have a house in XXXX and my morgage company is ditech.ditech claims i did not pay the XX/XX/XXXX mortage payment of XXXX i sent them several times proof that i did a ) email attachment my back account with date,XX/XX/2016, who withdrew the chech, ditch. 
b ) faxed the same as above, thru wells fargo representative : bank statement and check and who cashed the check : ditech. 
they response : supervisor reviewing issue.but not actually doing anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Credit reporting () with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... 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 05/21/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is showing me as deceased and not generating a credit score. I am alive and my identification has been provided with my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive recently pulled my Transunion credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Transunion. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with Transunion and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The following accounts have been removed by XXXX   and I am asking Transunion to remove : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX Acct # XXXX XXXX/XXXX XXXX Acct # XXXX Thanks for your cooperation, 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 04/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Using a debit or ATM card

Complaint: I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )

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 02/14/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : I received a response in regards to a close complaint to which it has no resolved or satisfied me in any way since Commonwealth was at fault and not licensed. 

To who it may concern in regards to accounts : I have opened a file to issue a complaint with the Florida office of Financial Regulations on XX/XX/XXXX at XXXX XXXX and sent in proof in regards to same day verification of license for Commonwealth Financial Systems and it was indeed inactive. I was told by them to send a complaint over to CFPB to which was done on XX/XX/XXXX at XXXX XXXX and Commonwealth was not active until XX/XX/XXXX. This false information was posted to all three of my Credit Reports since XX/XX/XXXX and from the date it was placed on collection from Commonwealth back on XX/XX/XXXX to XX/XX/XXXX Commonwealth was not ACTIVE with a valid license and per law it states for a collection agency to place a collection or retrieve payment they need to be license in the stated of Florida that has failed. The satisfaction of having the accounts temporarily deleted from my credit reports does not give me a satisfaction if COMMONWEALTH was not licensed in the state of Florida till XX/XX/XXXX. I will submit a complaint to the Federal trade commission as well as XXXX XXXX XXXX. I hope this address Commonwealth wrong doing in taking advantage of people with no license in the state of Florida. I have been submitting a paper trail file to all three complaints submitted with all dates and times of submission and responses. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold/transferred to a different servicer and now every year there is a increasing amount of shortage in my escrow. For the pas 2 years it was short {$1700.00} plus the first year and now they are telling my it 's short {$2600.00}. I every month, i have inquired several times about tis and have been brushed off, hung up on, and told that they could not provide the information I am requestion. My principal is only gettitng {$94.00} dollars paid towards it and almost {$400.00} toward interest. How is thios possible, when will i every pay off this note?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a vimtiam of identity theft and someone try opening account in my name XXXX XXXX, XXXX XXXX/XXXX/2016 and XXXX XXXX XXXX/XXXX/2016

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Concerning my XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ),  Experian is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein the XX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXX payment is reported as NOT past due ). Experian is in violation of state and federal law in doing so. I demand that Experian delete the XX/XX/XXXX payment regarding XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is inconsistently is adversely impacting my credit score.

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 02/21/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit line increase/decrease

Complaint: I have an  American Express card . The card has a credit limit of  XXXX  dollars.  American Express ( Amex ) d evised a scheme that allowed a creditor to post charges to the card that exceed the credit limit by  XXXX . I did not request an increase in credit limit. I did not authorize an increase in credit limit. I did not consent to an increase in credit limit. The actions o f Amex frau dulently opens a new account in much the same wa y Wells Fargo  did without actually issuing a physical card.  Amex has often  refused to pay a creditor that exceeded the credit limit on the account by only a  XXXX  dollars. The purpose of the scheme was to create an account wherein  Amex  could collect high interest on an account that would be difficult to pay off. The action by Amex deprives me of the right to determine the means I could or would use to pay off a creditor.  Amex  denied me my right to negotiate payment to the creditor if I recognized the creditors claim as valid. Credit limits are not arbitrarily or capriciously assigned to an account. Amex operates as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (CT).
Issue: Deposits and withdrawals

Complaint: I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to me

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 06-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX 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 04-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.

Company response to consumer: Closed with explanation