milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I completed and application online for Big Picture Loans.I was Instantly approved for a payday loan with Big Picture loans for the amount of {$400.00}. When they called me I was informed I was approved for {$800.00}. I was informed to go to my computer and sign the loan agreement. At the time it was showing I was to pay {$280.00} bi-weekly for a total of {$1000.00}. Which is a bit high, but I was in a bind so I agreed to the amount. After completing the application process with the rep. over the phone I was informed the money would be deposited into my account within 24 hours. On Friday morning the money was in my account. I recently logged back into my account and printed out the loan papers showing the schedule when the payments will be deducted from my account. Now the Agreement is showing that I will be pay 993.3438 % interest. Finance charge is {$6000.00}. Total amount owed is {$6800.00}. Now this is Extremely too much to pay on a {$800.00} loan. I am not trying to get out of paying what I owe, however this is highway robbery. And should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to the XXXX website, and would like a resolution.

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 03/28/2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Billing disputes

Complaint: Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every 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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: It seems everytime I log onto www.Chase.comXXXX to check my balance or make a payment there 's a problem and the design of the website makes me wonder if they had a ten year old design it! It 's so poorly designed and difficult to read I ca n't believe Chase would allow this. Today I wanted to make a payment and the system would n't allow me to enter an amount. So I called and spoke with one of their agents who could n't explain why the system is so poorly designed and does n't work. She wanted to pass me on to a web support agent but after being on hold for 2 minutes I decided not to waste my time. This needs to be addressed so that future issues do n't appear and as soon as I pay my balance in full I will cancel my card if they do n't change things

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, 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 non-monetary relief
Consumer complaint received 05/30/2016 about Debt collection (I do not know) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of what this debt is about. I saw this debt on my report, it was removed last XXXX and I now see it returned a few months ago.

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 05/13/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Portfolio Recovery h as contacted me at  XXXX  on numberous occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Finance charges applied to account when I had signed up for free financing for purchase of computer. Also automated bill pay does not work and no customer service representative picks up forcing consumer to pay late fees. Very disturbing. Finally got one " XXXX '' who advised lots of consumers were complaining about this. Advised her I was making a complaint. Please investigate.

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 03/30/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Managing the loan or lease

Complaint: I have a negative line item showing on my XXXX, XXXX and XXXX reports from American Honda Finance. I have NO association with this creditor nor have i ever.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Deposits and withdrawals

Complaint: HSBC is continuing to initiate monthly transfers from my banking account after I closed my HSBC online savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX   Credit Report. I have not contacted Cavalry but have disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Capital Accounts, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I disputed this account and received corrspondence which was a violation of HIPPA Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Transfinancial Companies, Inc (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with TSC Accounts Receivable Solutions (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Medical Company - XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA turned over a debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

1. First there are two charges on the bill that I do not recognize and the medical company is illegally billing me services not rendered or administrative fees that I am not responsible for. 

2. The company issued this to a collection agency on the same day as the alleged charges were billed. I never received any form of communication from the Doctors office or any form of bill before they unleashed this debt collector on me. 

3. During the first call from the debt collector I was threatened with my credit being damaged.

4. On the second call I informed the individual that I was requesting proof of the debt and that they needed to cease and desist. 

5. On XX/XX/XXXX I was again called by this company in an effort to settle this debt. They asked for a much lower amount. I again stated that I had requested proof of debt and I was not going to pay anything. I again told the representative that I requested them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Settlement process and costs

Complaint: I took out a RE secured NOW Account with Wells Fargo Financial Services after being asked to close XXXX times on the loan because information needed to be changed. In XXXX 2007 I wa forced to file Chapter XXXX which then converted to Chapter XXXX. Years later Wells Fargo reported the discharged RE Secured Card on my credit report as in a late status. Finally got Wells Fargo to remove the reporting with I have been told violated my FCRA rights and I suspect US Bankruptcy Laws. I pay them Principal payments since Chapter XXXX. Can not get statements or other information. Tell me the loan has been charged off and is not in their loan account systems. Recently read about WFFS consent order. Tell me my loan not included. Suspect these BK Loans charged off and tracked off system were never examined

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.

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 04/29/2016 about Mortgage (FHA mortgage) with DHI MORTGAGE COMPANY (SC).
Issue: Credit decision / Underwriting

Complaint: Signed contract and applied for a End Loan with XXXX XXXX/DHI Mortgage in XXXX XXXX. I provided all my documentation right away within 30 days of the original contract date ( information was sent by way of email directly to the Mortgage Loan Officer ( MLO ) and can be provided ). Per the contract I was suppose to have a pre-approval within 30 days of the contract. I did received a pre-approval/Conditional approval letter until XXXX/XXXX/XXXX and the home was completed the end of XXXX XXXX. Through this process my credit report was pulled multiple time with out my knowledge ( my credit score started and remained over XXXX last pull my credit score was XXXX. Each time a different hurdle came up. I jumped through hoops each time to satisfy the request. In the end the loan was denied stating it did n't meet their guidelines. The contract was voided without my knowledge and I was n't even given the 45 day notice to obtain financing with another lender. The sale price on the property was {$250000.00} and it on the market for {$270000.00}. The home appraised higher than anticipated therefore I feel my family and I have been taken advantage of in many ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation