milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX 2017. I applied for a payday loan with Cash Central Community Choice financial. I was turned down, I do not even believe they submitted anything, they are Using correct information you applied on the Online computer system. It does not even seem to be correct. all this information is transmitted into a computer system to be used later, and it may hurt and it may hurt a person severely. I can see these people using it for that purpose. they do not intend to give anyone a loan they are just getting all the information up they can to hurt someone later on. they mere intentions are to be on your credit score for publicity Only. No intentions of giving any one a loan just like previous company does. I did not want to apply online but they said they information was secured and it would be alright. I have been turned down for so many payday loans here in XXXX tennessee. I am wondering are they using someone else information so they could have reasons to not approve my case. so I can get a loan. It is just ridiculous that these companies are doing this to people. the one 's who need it the most can not even apply. and get a loan through any of these companies anymore. I think they are using not verified information and turning all of Us down for no reasons at all.

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 05-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????

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 01/29/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to them from XXXX ( XXXX XXXX XXXX ). Since XXXX XXXX, XXXX. 
I have been trying to contact them to know how I am going to make my mortgage payments. So far they have not answering my requests. I am afraid they will charge me late payments fees and who knows what else. My next due payment is XXXX XXXX, XXXX. I have not received any notification from them, any information about how to make payments. Frankly when you talk to them even to make payments they are so rude that I do not want to spend more time with them. I got the money to make my mortgage payment on time but I do not know where to send the payment and they do not collaborate. I want not to imagine what will happen when they realize that they have not received my payments. Surely they will start charging late fees and reporting me a past due payments and everything else that happen when you do not pay your mortgage.. It is not fair and somebody has to stop them of doing this kind of scams. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}

Company response to consumer: Closed
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have never lived in Texas. The address in Texas is not me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My Equifax credit score is XXXX points lower than the score of XXXX or XXXX. all the reporting agency credit reports contain the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Account from XXXX XXXX XXXX should not be listed on my credit report. The account was listed without validating the account. I filed a dispute with transunion in which they have not responded. The xomoany itself admitted to not be able to verify the debt. Transunion is still listing this debt on my report. The company also admitted in their complaint with the CFPB that they were wrong and they will have the debt removed. However transunion is still listing the debt. I am working with an attorney in regards to my credit report and wrong reported information.

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 06-10-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When my loans were transferred from XXXX XXXX the balances increased greatly. The monthly payments are so high that you ca n't pay them and still live. It is also very difficult to get help when you contact Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with TOWNE MORTGAGE COMPANY (MI).
Issue: Settlement process and costs

Complaint: The lender Towne Mortgage of XXXX Michigan and XXXX XXXX of XXXX Mi were to reimburse a fee of {$470.00} for the appraisal of the subject property XXXX XXXX XXXX , XXXX Mi XXXX at the closing dates XXXX/XXXX/16 ( file no XXXX ). The total monies we sopposed to be {$3100.00} and a check for {$2700.00} was given, check # XXXX. After numerous calls, emails to the title agency and the mortgage broker I am left with no alternative but to seek assistance from your agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Credit reporting () with CITIBANK, N.A. (WY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I received a letter dated XX/XX/2017 from Citi, XXXX XXXX XXXX, XXXX, OR XXXX, that indicated I previously enrolled in Citi IdentityMonitor offered by Citibank N.A., and I was charged a monthly fee. I believe that I was enrolled without my consent or knowledge, and when I attempted to go to the link referenced in the letter ( XXXX ) it did n't work. The letter tells me to submit a claim before XX/XX/2017 and enter reference number XXXX to get started ; and the letter states that submitting a claim does n't guarantee a refund. It also states that additional information is available at XXXX. The bottom of the letter references a Tracking Number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo has opened a checking and a savings in my name and ran my credit for a credit card without my knowledge and signature, I have filed a police report about this situation and have hired an attorney to represent me, I have went to Wells Fargo about this before and was hung up on and told I was a liar but I did provide documentation to show that my information was used illegally without my permission, I will carry Wells Fargo to court and sue Wells Fargo for illegally opening a checking and savings account in my name and they also tried to open a credit card in my name all facts have been turned over to my attorney, I try to report this to the store manager and district manager and they try to offer me life lock, this was an admission to what Wells Fargo done, I want a settlement for neglige nce, fraud, identify theft, punitive damages, illegal use to check my credit report, if not re solved my lawyer will file this action I 'll take it to court, I can get more in court, this needs to be settled out of court, Wells Fargo has manipulated it 's customers and lied, this has gone far enough I want this settled

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 08-09-2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never supplied me with goods nor services. In addition to that I have never received any notices from them prior to them placing this on my credit report so my rights under FDCPA section 809 were violated

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.

Company response to consumer: Closed with explanation