milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: I cosigned for a loan in which I am responsible for all money required to fulfill the contract. The signer defaulted on loan. Loan company sent a notice of plan to sell property-private.it included a reinstatement or redemption letter.The signer has no means to redeem or reinstate the loan. I decided to redeem the vehicle.They had imposed XXXX requirements to redeem vehicle, I complied. They had sent a release to the repossession company and I retrieved vehicle. I had requested they send lien release and title to my address.Not to the default y signer, they agreed to this. They took my address and said they will overnight the paperwork .This did not happen After a day or so had passed I called and requested to be sent same and again they promised overnight delivery. This did not happen. I called again and spoke to a person who had told me she will not send these documents to me because she believes that the default y signer had more money involved and deserved the vehicle. I have taken this up with all thew law enforcement agencies at hand to no eval this includes the ca. dmv. The default signer came to my home and took the vehicle. The ca dmv has started paperwork for transfer of owner to me but I can not complete without the lien release form. I sent a demand letter for the same but they have not responded.They have faxed/facsimile to me knowing the Ca DMV does not except facsimile copies. A XXXX XXXX had told me to sign up for and aquire a XXXX Account and send the account number info to her and she will overnight the lien release, They again deceived me, which from the beginning they have deceived me at every point.I attached my fax page to this account of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am making a complaint against WELLS FARGO HOME MORTAGE COMPANY I have an open investigation with Wells Fargo Home Mortage Company who refuses to fix a error on their part I Filed a bankruptcy and wells fargo was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and WELLS FARGO REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Credit card protection / Debt protection

Complaint: I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Payday loan () with U.S. BANCORP (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for US bank loan in the amount of {$6000.00} to rent an apartment, establish my life independtantly from my parents, and begin working. I was not credited the loan. I took out a {$500.00} line of credit and received a report that my credit card was used to purchased a taxi cab service in XXXX. I reside in XXXX XXXX and have not left the state since traveling to XXXX over the summer. My SSN was published via social media accounts and I believe it was likely used maliciously.

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX years I 've been in my house, always paid mortgage on time. Few yrs back got caught up in the remortgage scam and now I 'm under water ca n't get help anywhere. Back in XX/XX/XXXX I applied for a loan modification, the one currently in place was expiring in XX/XX/XXXX. It is now XX/XX/XXXX and they have been stringing me along all this time so that my mortgage payment can go back up to the higher amount. I have done everything they 've asked of me several times just for them to come back 3 weeks later and tell me they need some thing else. The something else is always the same thing I have been sending since XX/XX/XXXX. I have a XXXX % rate, a single person working XXXX jobs to try and stay in my home and they are giving me the business. The company that started this was XXXX financial co. They sold my mortgage to a new company called sps Select Portfolio Sevicing, inc. They bite the big one. I have sent them so much that whenever b I call it takes them forever to go threw it for them to tell me they have everything b they need. Then 2 to 3 b weeks later they send me a letter telling me they need something else. This has been going on since XX/XX/XXXX. Now the higher amount is in play, I refuse to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: While paying for groceries at our local XXXX store the cashier asked if we would like a Walmart card we said no and she said we would get {$25.00} off our bill for signing up and we could cancel if we decided we did not want it.We were paying cash and spending close to {$200.00} so my husband said ok and started giving her the information she needed. I really did not want him to get it and told him but he was paying with his cash so I backed off. This is why I remember this incedent. So when he paid the cash he looked at the receipt and the {$25.00} discount was not on it. She said oh it will come off when we get the card on the next bill, he said that's if I use it, I signed up because I thought it come off this bill, so we left a little upset because we felted miss led. This was last summer I'm guessing around XXXX or XXXX, then forgetting about the incedent we got the Walmart card  and the statement in the mail and when he looked at he said how can we owe this when it just came in the mail? The bill was over a XXXX dollars and I said that's crazy I think they charged us what we paid cash for. No {$25.00} discount was on the statement. So he called them and they wanted proof and frankly never believed us. I started looking for the receipt and I must have thrown it out. So without that we don't have solid proof, so when we asked them for proof of our purchases all they said was they would check into it. From then on it seemed the burden was on as and frankly I feel they ripped us off and they have not shown us proof of purchases yet they say we are uncooperative. We do not want the card asked them to cancel it. They said after investigating they felt we still owed it. That is rediculus. How could we charge anything when it wasn't issued yet and where did the cash go - in someone's pocket. This is exactly why I hate credit cards. We do not owe this and XXXX has lost my affection and respect they are just another ripoff retailer.

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 01-09-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 05-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Balance transfer fee

Complaint: I have been with Bank of America for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this ( including it being XXXX over ) that were trivial and not conducive treatment of a " Preferred Rewards '' client. Ultimately, I was told that they would not extend the promo to me and I would have to pay a nearly {$800.00} fee for transaction AFTER the transaction was completed.

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 09/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted a couple of days ago to obtain my free credit report from Equifax online and received a message to try another time. I tried today and now it wants me to request it in writing with proof of identity such as XXXX, etc. which I do not have! XXXX XXXX and XXXX did provide it but Equifax is making it very difficult!

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: Paid {$420.00} for appraisal on home based upon rates that were originally quoted for a mortgage from Finance of America Mortgage dba XXXX XXXX. When documents for mortgage were provided the quoted rates were higher by XXXX. I elected to go to a different broker/lender ( XXXX a division of XXXX XXXX XXXX , XXXX ) and requested appraisal to be transferred since I paid for it. XXXX XXXX did not respond for several weeks and when they did they were uncooperative and would not provide necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 11-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XXXX/XXXX/XXXX, I called Wells Fargo at the following number : XXXX XXXX XXXX XXXX, to complain about an entry on my checking account for {$210.00}, for an online loan company called XXXX, of which I did not authorize. The Wells Fargo online banker proceeded to inform me that I was being assigned a claims number ( XXXX ) and a reference number ( XXXX ) ; and that it would take two weeks to investigate this matter. This call was at approximately XXXX am. Not being satisfied with this practice of allowing companies to take funds from my account, particularly the XXXX, and others, I then decided to go to the local branch office to close one of my accounts, because I believe there are fraudulent bookkeeping practices at this local branch, located at XXXX XXXX XXXX XXXX in XXXX Virginia. 

At approximately XXXX pm, I then went into the aforementioned XXXX XXXX branch, and asked to speak with the XXXX, however, XXXX XXXX XXXX XXXX bank XXXX XXXX spoke with me first, and I proceeded to inform her of the above incident, and I asked her if this bank had a relationship with XXXX, because I have noticed irregularities with my account, and the entries made with XXXX I also notified her that I would be making an official complaint. I asked to close my business account, and also asked for as many statements, that I could have. XXXX XXXX said I could have as much as five years worth, but I requested only for the past year. She said the copies would be free, however, before completing the copies, she then went to discuss the matter with XXXX XXXX XXXX the XXXX XXXX. At this point XXXX XXXX stated I had to pay {$5.00} a page for copies, and so I asked for whatever free copies I could get. In addition, XXXX XXXX threatened to file a complaint about me, if I were to complain about the bank. I then completed the task of getting XXXX month worth of copies of all my accounts, paid the fee for my business account, then closed the business account. It was my decision to leave my everyday checking/saving account open because it would take two weeks for my initial complaint ( see above ) to be resolved.

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 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I requested my credit report from TransUnion only to find out that both my information and my sister 's info is mixed together under our individual SSN. When they pulled out my info with my SSN it has her name as Personal Information and my name as XXXX. The same thing happened to my sister as well when she checked her info with her SSN. Her Employer, Credit Cards, etc are all mixed with my info. I have called TransUnion XXXX times to get this issue resolved. They claimed they have resolved it on their end but I will have to call XXXX and XXXX individually in order to resolve the issue with them.

Company response to consumer: Closed with non-monetary relief