milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Region 's support has tricked me out of my money by lying to be during dispute process over a fraudulent charge! 

When I initially called I inflormed I did not have access to a printer and it might be a few weeks before I was by a local branch of theirs to be able to do it in person.They told me that would be alriight and to not rush. Weeks later I received a letter telling me they disaproved my claim because I did not fill out and send the paperwork! They lied to me, and when I called to try and remidy the situation they lied to me again! 

The supervisor told me I could still file the paperwork. A week later I received a ride to a branch. The staff there said what the supervisor on their support number said was untrue, for they could not file it. I was stuck there for almost two hours as she tried to resubmit it. 

Since then every time I have spoken to a staff at Regions about this issue they have not been able to find the dispute, as if the employee at the branch was not successful at resubmitting it! 

They bait a swoicched me! They tricked me into not being able to sumbit their paper in order to cheat me! And they have ignored me since!!!

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 04/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: To Whom It May Concern : On XX/XX/XXXX I signed up for the XXXX  XXXX Mileage Card after speaking with an XXXX XXXX representative. The representative told me about the credit card and the rewards, but failed to mention there were two different versions of the credit card ( " Signature '' and " Platinum ). The rewards I was told about, and sold on, were for the " Signature '' card, where as the " Platinum '' card has only a fraction of the rewards. After she informed me only about the " Signature '' rewards, I wanted to sign up, so she walked me through the process of applying for the card. 

Upon approval, I was told I would be receiving the " Platinum '' card, at which time I was unaware of the difference, or the existence of the " Signature '' card. Today, XX/XX/XXXX I finally learned about the difference between the cards after speaking with another XXXX XXXX representative. Had I been told upfront about both cards and the process for approving each of the cards, I would have either not applied, or if I had applied and gotten the same approval for only the " Platinum '' card, I would have called the credit card reconsideration line to speak with someone about getting approved for the " Signature '' card.

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 04/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My house is being foreclosed on by a mortgage servicer ( Green Tree Servicing LLC ). 
The mortgage was dismissed in my chapter XXXX bankruptcy. 
They are saying that they have a security deed for the property. Also in my state of Georgia a servicer can not foreclose. My sale day is XXXX/XXXX/2015. 


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Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Taking out the loan or lease

Complaint: I went into my local chase bank in XXXX, AZ to speak about getting a credit card which would be tied directly to my checking account since the bank is charging me XXXX each time they pay for a charge I make if funds are not available. Each month for over a year, I have been charged at least XXXX to XXXX overdraft charges which adds up to over XXXX a month. We applied for the card and it was denied. They said I had poor credit and refused to give me a credit card or account up to XXXX that could cover any charges I might incur. I think this is discriminatory and unfair banking practices since I applied for a loan online with liberty bank and received an automatic loan for XXXX. Immediately! Yet my own bank which makes XXXX of dollars per year off of my checking acct refuses to give me a credit card limit up to XXXX to cover overdraft fees. I have been paying the fees yet they said my credit is poor.To me this is ridiculous practice. It does not make sense for me as a consumer to continue to pay the bank these outrageous fees on my acct and not be given any credit with the bank. They also say they have the right to determine which charges they will cover so I have had a cup of coffee of XXXX paid with their XXXX fee and yet a car payment of XXXX was refused. To me, this is also discriminatory. Why would they not pay a person 's car payment which is necessary for the persons work and go ahead and pay for the cup of coffee? To me it is all about how much money they can make off of my account. 
I have explained this to the bank manager, I have called their XXXX number to discuss the over use of their of the XXXX fee and their discriminatory practice, yet they refused to deal with a simple solution because " I have poor credit. '' Yet they continue to rob my bank account with XXXX a month payments and their whim. Please investigate this policy and determine if there is anything I can do. I am just a middle class citizen who works long hours and am trying to survive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Closing on a mortgage

Complaint: credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.

1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.

With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.

2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.

3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.

4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.

5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.

I am a XXXX XXXX  and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.

Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.

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 05/20/2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Advertising and marketing

Complaint: HH Gregg advertises available financing on their website in XXXX easy steps. This would lead the average consumer to believe after being approved, they could immediately purchase items online. However, HH Gregg has advised their financing company, Synchrony Bank, not to disclose the account number to the applicant prior to the applicant receiving their card. Synchrony Bank will only provide the account information to HH Gregg staff. This prevents a new applicant from immediately utilizing their credit & obtaining all available discounts online. Furthermore, Synchrony will not release account number to customer even after purchase is made if requested prior to 14 days after application approval. This practice is deceptive and unethical. HH Gregg & Synchrony Bank are colluding to extend credit to consumers, and then withhold information pertaining to that credit once approved for an extended period ... in an elaborate scheme that essentially boils down to petty price-fixing. When contacting Synchrony Bank to obtain account number for online account setup AFTER making an in-store purchase with HH Gregg but prior to receiving the first statement/bill, they advise they can not disclose the account number. When asked why, they explain " it is the policy '' repeatedly. When pressed why that is the policy, their only explanation is " because that is what HH Gregg has requested ''. To offer credit online and not disclose that the line can not be immediately utilized online prior to the application - that is fraud & deception. To extend credit to a borrower and then refuse to disclose the account number to the borrower for 14 days ... may not be illegal ... but it certainly is n't an ethical business practice. If the excuse is security, that excuse is quickly eliminated since in-store purchases can be made immediately upon approval utilizing the same information you would provide over the phone to obtain the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion has refused to provide me with online access to my credit report, claiming there are XXXX accounts associated with my social security number and has refused to provide details regarding the fraudulent usage of my SSN. They 've also refused to delete the inaccurate account associated with my social security number, claiming their information is correct. I submitted information regarding my identity, but they have refused to resolve the issue. If this is a case of identity fraud, they claim their information is accurate and refused to allow me to access my credit report online or off.

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 02/22/2017 about Debt collection (Medical) with Credit Systems of the Fox Valley, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found out that I had a medical claim against me using my maiden name and an old address from before XX/XX/XXXX. They said I had lab work done on XX/XX/XXXX when I did n't even live in that state, nor have I ever visited their facility in my life. I also was married and XXXX on XXXX that had me XXXX multiple occasions in XXXX. This claim is from XXXX. Not sure if this is identity theft of what but it could not be from 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 06-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX   XXXX  was notified that i was closing my accou nt of 10 yr s. and switching over to  XXXX  for a much lower price. On  XXXX   XXXX  I called  XXXX  to get the balance owed on my account.My bill was always due on the  XXXX  of the month so I called a few days early. The agent gave me a final bill of  XXXX  with a confirmation number of  XXXX  and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed  XXXX . I immediately called  XXXX  and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the  XXXX  of  XXXX  I still owed the last few wee ks of  XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe  the money.Yesterday I  received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent in several certified letters to all  XXXX  credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.

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 card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in X/XX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed. <P/>I am DEMANDING a copy of the application that they claim gave them my consent for this " debt protection service '' Their whole crux of this argument is that they have my consent from this application from 2007. I have not seen this proof of consent, without which they have no proof or consent from me to have enrolled me into this program. I have never consented and am again demanding a full refund of these fees.

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 04/18/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On  XXXX / XXXX /  XXXX   I submitted an online dispute for a account I have 'No Knowledge ' of and On  XXXX / XXXX /  XXXX   received email dispute was completed without results. However, when accessed credit report on  XXXX / XXXX /  XXXX   and item is still showing  'Under Investigation a nd I should have my results soon '. I 've attached a copy of credit report to support complaint, the item in question is the very last item in the attached. Thank you.

Company response to consumer: Closed with explanation