milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NH).
Issue: Managing the loan or lease

Complaint: My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Mortgage) with Ditech Financial LLC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would lie to dispute this becuase it is harming my credit score and i am unaware of who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (I do not know) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afini keeps trying to collect on debt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was opened an XXXX XXXX XX/XX/XXXX. 

Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX. 

On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX. 

At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
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: After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

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 08/16/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.

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 08/31/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Reason : 1. Get U.S. Bank written approval letter for purchase gift card on XXXX XXXX. The account was closed on XXXX because I purchase gift card. Request : The U.S. Bank ( the Bank ) has closed my credit card account because " excessive or patterned purchases of cash equivalent '' in Cardmember Agreement, but the define of " excessive or patterned '' are not clearly stated. A large number of account closed cases indication that the Bank is not ready to issue high return rate credit card, but they ca n't change terms in first year because law prohibit, so it looks the Bank try to using fuzzy Cardmember Agreement terms to evade its own legal responsibility and fraudulent to user deserved Rewards, these term allow the Bank can arbitrarily close the account and refuse to pay any of legal customer rewards. For example, they can say {$1.00} is " excessive '' amount, so close the account. Moreover, for a frequency business travel in between of two city, the ticket full price always same, so they can say it is " patterned '' Futher, the maximum amount of gift card is {$500.00}, so if user necessary totally {$1000.00} gift card, the user have to split purchase into two of {$500.00}, they also can say it " patterned ''.
If you wanted, we can find more similar scenario. In my case, my business trip need booking over {$3000.00} tickets per month, so I think {$2000.00} is not a large amount for my personal business travel ( please remember, the Bank give my {$21000.00} credit limit ). For avoid risk, I contact the Bank customer services to explain why and how to use these gift card in before more purchase, the Bank written approved these gift card purchase, but the Bank suddenly closed my account after I purchase gift card. I am heared many similar stories in near days ( for example, my friend 's account was closed because he purchase a XXXX {$2000.00} laptop with his U.S. Bank credit card ). I was request them answer above details by help OCC help in XXXX, but the Bank are arrogant not to answer, the Bank simple response as " decision was unchange '', I have reason to believe that the Bank did not read the above questions before response to OCC. I would like request CFPB to review these Cardmember Agreement to save more victims, and I also want the Bank to release explain the specific definition of " excessive or patterned '' ( and all of fuzzy terms ) to the publlic field, and also mail it to every customer to avoid the Bank abuse on Cardmember Agreement.

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 (Checking account) with U.S. BANCORP (ID).
Issue: Problems caused by my funds being low

Complaint: I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.

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 07-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Mortgage) with PNC Bank N.A. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me

Company response to consumer: Closed
Consumer complaint received 09/27/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX I opened XXXX CD 's in the amount of {$200000.00} each with XXXX in XXXX NY . CD 's term was13 months and were automatically renewable. The CD certificates were placed in my safe deposit box in the same bank. These CD 's were not redeemed, were discovered when I went to close my accounts and safe deposit ( which had not been opened in years ) box at what is now Wells Fargo Bank and discovered the XXXX Cd certificates, submitted them to the bank for redemption and was told that they had no records going back that far, and refused my claim. The issue is compounded by the mergers of XXXX XXXX into Wachovia in XXXX and the merger of Wachovia into Wells Fargo in XXXX.I believe the CD 's were in force at the time of both mergers and represent a debt obligation the must be honored by Wells Fargo. My CD records may have been lost in the mergers. Wells Fargo agrees that my original CD certificates are evidence that I opened the accounts ( copies of the CD 's will be forwarded ), and has not been able to provide any evidence that the accounts were paid or closed. The desired resolution is the redemption of the XXXX CD 's including accumulated interest for the years XXXX. I have tried repeatedly to resolve this issue and must now turn to the CFPB for help. 
The Cd # s are XXXX and XXXX. 
My information is : XXXX, NY XXXX. 
Email XXXX Phone 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 07/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a lot of hail damage from a storm in XXXX and called both my first lien holder, then my second lien holder to let them know. I spoke to a rep at my first lien company. They gave me tracking numbers to use and said that they 're located in the same building as my second lien holder, so to put a cover sheet with my checks that states that once they endorse the checks, to please forward to my second lien holder to endorse as well. I asked if I should sign the checks and was told no, that it 's dangerous to put a check in the mail that 's already endorsed. With this package, I also mailed in a {$30.00} check so the checks could be rushed back to me. This was on XXXX/XXXX/16. On XXXX, I receive the checks back with a letter stating that the checks have to be endorsed before the mortgage company can endorse, and this was the exact opposite of what I was told on the phone. I really need these funds, as I 've already spent over {$30000.00} out of pocket, so I signed the checks and sent them back. I also called in stating I was including another insurance check that I recently received. I sent out the 2nd package on XXXX and also uploaded the contractor 's waiver of lien and XXXX to my claims for both mortgage companies. On XXXX, I receive a letter from my first lien holder stating that the " final disbursement check '' is enclosed. There was a check in the amount of {$3600.00} in the envelope, and not a word about my other checks. On XXXX, I received a letter from my second lien holder, asking for the XXXX and contractor 's waiver of lien again, when I had already confirmed weeks ago that they were already received by both mortgage companies. This letter is also requesting that I pay {$30.00} again to have my funds rushed back to me. I called my second lien holder about this letter and they had no idea how to help me and kept putting me on hold to " gather more information. '' Then the rep told me to call my first lien holder & ask for their monitoring procedures and to fax it to them once I receive it. The hail damage occurred on XXXX/XXXX/16 and today is XXXX/XXXX/16. I have paid over {$30000.00} out of pocket and I 've only received {$3600.00} labeled as a " final disbursement '' out of a total of {$23000.00} in checks that I sent to both mortgage companies. I have n't gotten a call or received a letter to explain the process to me. I spoke to someone again this morning, and the rep spoke to me like he had no idea what was going on with my loan, cleared up absolutely nothing and left me clueless once again.

Company response to consumer: Closed with explanation