milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I MADE A COMPLAINT TO CADOI BELOW. I HAVE ALREADY PAID MY INSURANCE PREMIUM IN FULL WITH {$110.00} OUTSTANDING OVERPAID I WANT CREDITED FOR XX/XX/XXXX PAYMENT AND THE INSURANCE PREMIUM TO BE REMOVED FROM MY ACCOUNT. YOU MAY HAVE TO DO ACCOUNTING ADJUSTMENTS. A COPY OF THIS COMPLAINT WILL BE FORWARDED TO CONSUMER FINANCIAL PROTECTION BUREAU. 

WELLS FARGO DEALER SERVICES ARE BILLING ME IN USURY ( OVERBILLING ME ) FOR CAR INSURANCE ATTACHED TO MY CAR PAYMENT EACH MONTH. THE COMPANY XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, CA XXXX POLICY NO XXXX. PHONE NUMBER XXXX. MY INSURANCE STARTED XX/XX/XXXX. I WAS BILLED {$94.00} A MONTH UNTIL XXXX XXXX WHEN I WAS BILLED {$140.00} A MONTH. THEREFORE I PAID {$94.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX {$140.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I PAID {$140.00} A MONTH. I PAID {$1100.00} IN TOTAL THAT WELLS FARGO IS CHARGING ME MONTHLY TO PLACE INSURANCE MONEY IN THEIR REVENUE ACCOUNT WHEN I HAVE ALREADY PAID MY FULL PREMIUM. I HAVE OVERPAID BY {$110.00}. THIS {$110.00} I ASK TO BE CREDITED TO MY PAYMENT FOR XXXX XXXX. WFDS IS CAHRGING ME {$370.00} FOR XX/XX/XXXX WHICH WOULD MAKE ME OVERPAID BY {$280.00}. PLEASE ADDRESS THIS ASAP. I AM REPORTING THIS TO THE CFPB. 
Fw : XXXX XXXX ACCT XXXX WFDS RE XXXX XXXX XXXX CALIFORNIA DEPARTMENT OF INSURANCE COMPLAINT XXXX XXXX XXXX Reply| Today XXXX XXXXXXXXXXXX Sent Items This message was sent with high importance. 
WELLSFARGOINSURANCECAR XXXX XXXX WELLSFARGOINSURANCECADOICOMPLAINTQBE.pdf XXXX XXXX attachments ( XXXX ) Download all Save all to OneDrive XXXX TO XXXX XXXX . 

**XXXXALL SEVEN PAYMENTS FOR INSURANCE WERE MADE SINCE XX/XX/XXXX. ***I AM REQUESTING AN ADJUSTMENT ON MY ACCOUNT. 

XXXX XXXX Payment History Help Print This Page End of HelpAndPrint Loan XXXX -- XXXX NISSAN SENTRA-XXXX CYL. 


Posting Dates XXXX/XXXX/XXXX ( MM/DD/YYYY ) to XXXX/XXXX/XXXX ( MM/DD/YYYY ) Invalid date range Transaction History ( Select a payment to view Transaction Detail ) Posting Date Effective Date Description Amount Principal Balance Next Due Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX LATE CHARGE ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX MO DEFERMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX CORRECTION/ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX 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 05-09-2017 about Debt collection (Other debt) with AFNI INC. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni   XXXX   XXXX   XXXX   il   XXXX     reporting a   XXXX   XXXX   XXXX   account from  XX/XX/XXXX 2016 to  XXXX  no account in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.

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 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.

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 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.

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 08-11-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.

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 08/27/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I had XXXX ( XXXX ) credit cards with TJ Max, XXXX was already closed in XXXX, and the XXXX card I opened in XXXX. I made regular online payments since it was originally opened it. However, when I called in XXXX of XXXX to get balance and payoff information on my current account XXXX, the representative from TJ Max gave me the wrong account information and stated that my balance was XXXX and that my account was closed. Since TJ Max confirmed I had a XXXX balance, I stopped making payments as of XXXX. However, I actually had {$35.00}. Recently, I received a credit card statement for XXXX and there was a balance of {$130.00} on it. I was very confused and concerned. So I immediately called them and paid it off. In addition, I asked what this was and was told these are late fees. I stated that I called in months back and that the TJ Max representative told me that my account had a XXXX balance. Right after I requested to speak to the manager. She gave me the run around and neglected to understand my situation and denied that it was a result of TJ Max 's representative. I repeatedly explained that this situation occurred because a past TJ Max 's rep did not provide me accurate account information of my account in XXXX. And to realize now, that my account actually only had a balance of {$35.00}, I am very upset that TJ Max has caused this matter. If I was provided with the correct information, I definitely would have paid it off immediately and would not allow the late fees to triple to a balance of {$130.00}. She was not listening nor empathetic and claimed that this happens all the time with other consumers. In other hand, she does n't believe nor wants to help me in any way. She also stated that this happens all the time, and that people do n't want to pay their account. From this reaction, I take it that she is categorizing me without knowing who I really am and does not care nor want to help with this matter. This was truly disappointing and frustrating since the negligence is because of TJ Max 's representative, and not myself. I truly believe that TJ Max 's is at fault since they provided me with the wrong information and lead me to believe my account balance was at XXXX. Also, TJ Max has penalized me with 3 months of late charges, and is trying to damage my credit. I am certain they are reporting to the credit bureau about this late payments situation. Overall, I truly believe this is very unfair and unjust business practice of TJ Max. TJ Max is very greedy, since they made {$100.00} off of late fees from me. Please assist and let me know what my options are.

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 04/13/2018 about Debt collection (Other debt) with First Credit Services Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Received a loan I didn't apply for

Complaint: I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (FL).
Issue: Managing the loan or lease

Complaint: I have recently paid this account off yet i still see late payments on this account. initial issue was in XX/XX/XXXX, when making my payment a suntrust representative asked if i wanted to skip a payment and put to end of term. I agreed because i trusted was as innocent as he portrayed. i went on vocation and came back to realize that not only did this guy not push payment to end of term but my car got repossessed. XXXX assured me and apologized for inconvenience and allowed me to get car back with payment all fees. Advised that they will be able to push payment out to end of term and be able to reduce payments to XXXX at no time was this explained that this would be considered a " Modified loan ''. I was tricked into believing i was refinancing. few years later when i was declined for many banks to get a new car loan after my son was born i realized that this account had XXXX late and a repo that was not suppose to show. I called suntrust to also find out that the so called modification they had was for a different vehicle. when i mentioned this to legal they immediately tried to coerce me into signing another modification with 07 nissan 350z because in exchange to remove all late fees on the account. keeping from me important information like GAP coverage may be forfeited, higher overall paid for loan and potential negative aspect on credit report. My vehicle was later involved in a accident and vehicle was paid off. At this time no Late payment were suppose to show on this account and loan modification was suppose to be taken off since they had wrong loan modification paperwork signed on my account and i was not aware i even had a loan modification. I was even told that if i refused to sign new loan modification that they would make me pay the account current by retro modifications back at its so called inception. i called yesterday XXXX and spoke with a lovely representative whom could n't even pull up my information yet suntrust continues to verify this account with credit reporting companies as " Valid ''. When i asked her if she could send information pertaining to account and modification that was on wrong vehicle she said they had nothing. So how can they continue to report information that they ca n't even verify?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: XXXX fraudulent withdrawals were made from my account in XX/XX/XXXX and XX/XX/XXXX. XXXX in the amount of {$160.00}. These withdrawals caused an overdraft in my account. The withdrawals were actually for what I thought was XXXX XXXX XXXX. I was attempting to have my Federal student loans consolidated. The company turned out to be nonexistent but I did n't realize this until XX/XX/XXXX. I reported it to my bank, Bank of America and the gentleman that I spoke with researched the withdrawals and took my claim. He said the funds would be posted back into my account in a couple of days. Approximately two days later the funds and the overdraft fees were placed into my account.However, on XX/XX/XXXX {$320.00} was taken from my account. When I called to enquire as to why I was told the claim was rejected because it was not reported within 60 days of the transaction. I was not made aware of this when the claim was taken by the gentleman on the phone. Had I have known I would not have submitted the claim. Then on Wednesday XX/XX/XXXX I checked my account to see it was - {$540.00}. When I called this time I was told the overdraft fees were being taken back as well. Nothing was ever communicated to me about any of these actions. And why was the claim initially taken when the individual taking the claim was well aware of the 60 day law but never brought it to my attention. I also checked the account today XX/XX/XXXX and I see that additional fees have been added on as well. 
Please help! I believe that I was misled and ill informed during this entire process and I believe the Bank of America is trying to take advantage of me as a consumer. I was already victimized once now I feel I 'm being victimized again! 
I 'm requesting that the account be closed and the fees dismissed. They 've already taken XXXX of my paychecks that were deposited into the account. Leaving me with no way of paying my bills or caring for myself and my daughter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: U.S Bank reported me to XXXX on the XX/XX/XXXX for owing {$60.00}, it does n't make sense to me as I walked into the XXXX XXXX XXXX XXXX XXXX, CA XXXX location on the XX/XX/XXXX to close out my bank account. I closed out my bank with XXXX XXXX and I came in on XX/XX/XXXX to verify to why US Bank reported me. XXXX tried to investigate and was not aware to why or eve how I was negative {$60.00} on my checking account. She also recalls me going to the US Bank and closing my account without having any issues. XXXX called the back office to try and figure out to why I was reported. The Back office notified her that they never reported me to XXXX and that XXXX might have some kind of error. I told them I tried to open a bank with XXXX XXXX and was unsuccessful due to being on XXXX. XXXX was transferred 3x and was not able to get any information to why I was reported. After she hung up I showed her my XXXX report and explained that I was reported. On the report it shows that US Bank reported me on the XX/XX/XXXX but when looking at my bank statement I owed XXXX on XX/XX/XXXX and even on the XX/XX/XXXX when it was the ending balance I was at XXXX. XXXX once again called and gave the information over that US bank did indeed report me and the first person she spoke to was not able to have any information to why, They ended up transferring her over again and then the 2nd person said that " US Bank reports people to XXXX every week and then thats the reason to why I was reported. '' I am confused as on my bank statment it shows that I requested to close my bank account on the XX/XX/XXXX and the account getting closed did not go into effect until the XX/XX/XXXX. What is confusing me is that on the XX/XX/XXXX I had a XXXX Balance and that is the same exact day that US Bank reported me to XXXX. I also see that once the account was closed I was charged a {$30.00} fee for " force-closed account fee '' Which I am not sure to why it says force-closed on XX/XX/XXXX if I came in on XX/XX/XXXX to close out my account. PLEASE HELP!

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 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.

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