milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt collector posing as 'mediator ' falsely claiming that they have filed a suit against us and a judgement is being made. They were very aggressive and threatening. They claimed that we need to settle the suit immediately. There is no lawsuit, it was all completely false and I had never received prior notice. They also claimed to have recorded my conversation before hanging up on me ( without my prior knowledge or consent ). 

Also calling and threatening spouse and other family members saying that I need to talk to them immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with AMERICAN HONDA FINANCE CORP (TN).
Issue: Managing the loan or lease

Complaint: XX/XX/2015-as End of term on loan-balance XXXX of a 5yr loan. Honda Financial began calling repeatedly -placing calls to my work & home XXXX within a week- ( they have been asked NEVER to call my job ) -on XXXX call, Honda told me that the last payment should have been XXXX I informed HONDA that the last payment was out of my financial possibility ( monthly note XXXX. ) that the XXXX pmt has been made and that the last principle payment would be make in XXXX. HONDA- refused to make arrangements with me due to end of term??!! and began calling and harassing. I have asked HONDA to remove my number, I 've never missed a pmt, stop calling me-I 'm a human being PLEASE please stop going by your computer and be human ... .final pmt will be made XXXX - they informed me how they are going to report this as LATE on my credit, although it 's NOT -- I 've noticed throughout the life of my loan HONDA charged me a constant XXXX as late fees ( even when pmt was on time or with in a few days of due date and additional XXXX late fee ) in which HONDA automatically would charge the next month on the statement -when asked about the XXXX cent / and the double late charge -- I was told that its because HONDA applies the new payment -resulting in a late charge on my account -- I felt threatened, I told HONDA I 'm reporting this situation - I feel harassed, are they trying to MAKE me PAY moneys what I do n't have?? I have never heard of the last payment on term loan HIGHER THAN the monthly note -please assist on that matter. As well as I am concerned I may have be over charged in my interest on my loan -- please contact me with how do I place my name for review in that class action law suit??!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Credit card () with DISCOVER BANK (OH).
Issue: Other

Complaint: I have never had a credit card before and whenever I apply for a student card I am always denied. The company did not send me a letter or email regarding the reasons why I was denied a credit card. I have a fairly large amount of money in my savings account but the companies do not even ask for the amount that you currently have. They ask for the gross income amount. Most college students do not have a permanent job and are mostly seasonal employees. I do not see what the issue is with my current financial information given to them. I even contacted a credit report company to see if something is wrong with my credit score even though I 've never had a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX17 an online payment was made paying off balance of {$1200.00}. I did not initiate or make this payment as I had made a payment 3 days prior. I called Citibank and reported this to be fraudulent. As my checking account is tied to the CitiBank card via their website to make paying my bill easy. The credit card account had a very small available credit left on it. Asked to speak to fraud as again I stated I had not initiated this payment and was concerned that my information had been compromised and another made payment using the bank account on CitiBank website thus freeing up credit line enabling fraudulent charges to be made. CitiBank informed me that fraud does not work that way and that there is nothing they can do as it was an online payment. My personal bank was informed, they immediately put a stop payment on this charge being presented and advised I call CitiBank back and inform them of the stop payment. 
CitiBank was notified via phone and I was informed that I would incur a return check fee, as again they did not feel this was fraud. 
I made a 3rd phone call to Citibank again asking for the fraud department, I was denied speaking to them as they deemed this payment was not fraudulent. A supervisor did speak with me, she closed my account and promised to refund the return check fee when it appeared on my account. She also stated this is not a fraudulent transaction and that she was doing this as a precaution. 
This was a potential disaster, I had to beg and insist that it be remedied. I felt it was naive to deem it nonfraudulent because it was a payment. Again my bank account information is on the Citibank website so that I can easily make payments. It seems to me if someone got my info, got online and initiated payment allowing credit limit to be restored, they could have gone out on a spending spree with newly freed up credit limit.

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 11-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I contacted Bank of America about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Bank of American and the ATM does not accept cash deposits all the time.

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 02-12-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services. 
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.

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 01-07-2018 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection company Hillcrest Davidson and Associates is attempting to collect a debt not owed by me. I share a similar name with a family member that actually is responsible. I have not lived at the residence that received services since XX/XX/XXXX. Services were provided in XX/XX/XXXX, years after I moved out. This information was relayed to the debt collector however the debt remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Closing/Cancelling account

Complaint: I cancelled my credit card with Wells Fargo XX/XX/XXXX. I received no statements until XX/XX/XXXX, when I received a bill for the yearly credit card fee for a card I no longer had or was using. I was also notified that it was late. I called Wells Fargo and resolved the problem, paid the balance with the agreement that they would send me a refund check, as they acknowledged that it was their fault, and that I had, in fact, attempted to close the account. This was not supposed to effect my credit, and I had no other late payments on any of my accounts ever. Well, I have n't checked my credit report in about that amount of time, and I now see that there 's a ding in my credit. I guess this is why it 's recommended that one checks their score every year? Hopefully it 's not too late for this to be resolved. Thank you.

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 09/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I do have financial hardship paying my bills fees is not something that help me with my balance Cfpb should hard on credit cards and their redicilous 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 02/24/2017 about Debt collection (Credit card) with Lloyd & McDaniel, PLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.

Company response to consumer: Closed
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  XXXX   XXXX   XXXX  accounts reporting on my Experian,  XXXX  and  XXXX  reports. One ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY  NOT report the account as delinquent or demand that the amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask  Experian ,   XXXX   and  XXXX  to make these corrections.

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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: PayPal ( XXXX ) XXXX. is in breach of their own policy. My account has been limited for 180 days on XX/XX/2016. 180 days have passed and PayPal is still not allowing me to withdraw my money. They have requested Proof of Address, I have provided it, yet they are still delaying the release of funds. They said that my documents have been approved in their system, but that I ( still ) have to wait for someone from the Compliance Team to check them. I called them numerous times and every single time their reps tell me different things. I have no idea who to trust anymore. I do not want to wait any longer, 180 days are off, I need my money!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.

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