milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SD).
Issue: Managing the loan or lease

Complaint: We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Inquired about {$300.00} increase and did not receive a response to the request.

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 12/13/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and  XXXX  refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been living in XXXX for 6 years someone stole my identity from my home st XX/XX/XXXX but capital one will do nothing to take care of this again I have been living in XXXX since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.

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 08/25/2016 about Consumer Loan (Installment loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: Because of some rare car trouble, I was unable to get to a Key Bank branch by the due date of my installment payment. I called on the due date and told a Key Bank representative of my predicament. I was told to call once the late charge appeared on my statement and ask for a refund. I did so. The Key Bank representative refunded the late charge. 

My next month statement showed the late charge and then the credit, but show a minimum payment that includes both the late charge and the payment amount. I called another Key Bank representative - a phone call designated internally at Key Bank as XXXX - who told me that Key Bank has, in fact, refunded the late charge but still requires the amount of the late charge to be paid with the regular payment, in a sense, prepaying some principal. When I inquired further about the refund, the representative claimed something to the effect that " This is how we do it at Key Bank. '' I am not at the location where my account agreement is located, but this appears to be a completely self-serving policy of the bank, especially for clients who may be struggling financially. If this policy is not part of the loan agreement, then I think that it is against public policy that a late fee assessment and waiver should induce involuntary principal repayment from the borrower. 

I would appreciate a response from the appropriate Key Bank representative regarding this troubling policy, and I will review my account agreement by the time the Key Bank representative contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with CATHAY BANK (NY).
Issue: Account opening, closing, or management

Complaint: I have had a basic, no monthly fee bank account with XXXX Bank until around middle of 2015 when XXXX Bank was acquired by Cathay Bank and all the XXXX Bank accounts were transferred under Cathay Bank. My account was also transferred under Cathay Bank but instead of the same basic no monthly fee account I used to have it was the type with $ 15 monthly fee. When I opened my bank statement from Cathay Bank and saw the $ 15 monthly fee, I decided to go the bank branch and inquire about the fee. The manager said the bank has sent all customers about the account type change and refused to refund the {$15.00}. I believe from a matter of principle what Cathay Bank has done is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Bank of America Visa credit card. 

I called Bank of America the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by BOA they only consider a transaction fraud if someone else uses your credit card. BOA told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted BOA again and had to walk them through the contract where the terms were not met, and this was a supervisor. BOA is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and BOA should better protect their consumers/customers. BOA will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citibank , N.A . received two payments on my XXXX 's XXXX card and they were not applied. I have contacted them and the say they ca n't do anything. The payments were electronically sent from my financial institution to them. On X/X/2017 a payment of {$1.00} and on X/XX/2017 a payment of {$3.00}.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies ( CRAs ) with an open date of XXXX XXXX, XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately. 

I have tried to resolve this issue with XXXX XXXX multiple times via phone calls ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), emails ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ), and written letters ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards ( XXXX XXXX ), auto loans ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ), and has increased car insurance quotes ( XXXX XXXX, XXXX ). 

XXXX XXXX claims that I was refunded {$350.00} on XXXX/XXXX/XXXX and another {$350.00} on XXXX/XXXX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1 ) there was a {$350.00} withdraw from XXXX XXXX and 2 ) I never received the {$350.00} in return to my bank account on or around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate {$350.00} returns on XXXX/XXXX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XXXX/XXXX/XXXX. 

Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XXXX XXXX, XXXX. The last instance I was even at XXXX XXXX was XXXX/XXXX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs. 

In addition, I have tried resolving this with XXXX, XXXX, and TransUnion. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports. 

Attached you will find screenshots of my bank statements proving that I absolutely paid the {$350.00} and a definitely NEVER received a {$350.00}. XXXX XXXX XXXX debt collection needs to be removed from my Credit Reports immediately.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for 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 06-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in the process of paying off my student loans. I went to setup an auto deduction for loan with AESSuccess and I was prompted that I could not setup an auto debit of more than {$1000.00} more than my minimum monthly payment. I wanted to pay an extra XXXX so I could pay it off by XX/XX/XXXX. I find not being able to pay as much as I want over the monthly minimum very disturbing as now I have to make two payments and they get to accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with Continental Finance Company, LLC (IL).
Issue: Other

Complaint: `THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! 

Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! 
Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. 

IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Medical) with North American Credit Services (NC).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: company put collection notice on my credit report on a debt that was taken care of in bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed