milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX we received a letter from Ocwen Loan Servicing , LLC that we had missed a mortgage payment in XX/XX/XXXX. We immediately call them, spoke with XXXX # XXXX and told her that Ocwen cashed our check, electronically, on XX/XX/XXXX and emailed Ocwen a copy of the bank transaction, along with a copy of our bank statement showing the transaction. She said they would contact us in 15 business days. We have always paid our mortgage payment, even though we had to file bankruptcy in XX/XX/XXXX. Our lawyer at that time filed a " reaffirmation '' with Ocwen. On XX/XX/XXXX we received a letter and all types of forms advising that our loan is " in default '' and that we must select a method to bring this account current. It is obvious that Ocwen lacks communications and coordination between their internal departments. This latest letter borders on harasment. They cashed our check and have lost the monies that should be applied to our principle, interest, and escrow accounts. This is basically fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax is not allowing victims of their own data breach to place credit freezes on their account without charging them. I understand the process and that I can only supposedly get one with a valid police report, but I should not have to pay money to the entity that confirms it lost all my personally identifying information in a massive security breach. I would like my credit to be frozen on their end and I want them to reimburse me the {$20.00} I spent to put credit freezes on my XXXX and XXXX reports, as I should not have to pay for their mistake. I have attempted to call Equifax, find a way to contact them through the web, and have not been successful. Their automated system does not have any option to place a freeze without paying, there is no option to talk to a representative. I do not want to sign up for their credit monitoring and bind myself to their arbitration agreement. This is the single-most egregious thing a company has ever done to the American Consumer as a whole. I want my credit frozen and the cost of my freezes at the other two agencies reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (WV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The XXXX XXXX XXXX is threatening to garnish wages. They already took my tax return but never let us know that they did it. I am still not seeing it as a reduction in what I owe them. It was most {$3000.00}. My debt has been sent to XXXX XXXX XXXX. Instead of trying to work with me on coming up with a payment I could live with, they are threatening garnishment. They also have huge interest charges every month so it is impossible to pay the debt off. I feel that the only way to get away from this company, is to file bankruptcy. The military star is ruining peoples lives. They are abusing the system. The government needs to look at their debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain 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 non-monetary relief
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX account was sent to collections, I paid the collection company settled for less, XXXX XXXX XXXX -act # XXXX Paid on XX/XX/XXXX. 
XXXX sold the account to another collection company RPM Receivables Performance Management LLC. XXXX reported to the credit bureaus that I owed the remainder of the balance. RPM contacted me several times to try and collect what XXXX told them was a balance on the already settled account. I called XXXX several times to provide me with a letter that showed my payment settlement so I could provide proof of payment to RPM, I finally received proof in XX/XX/XXXX and sent to RPM VIA email. XXXX should have sent proof of payment within 10 days of my payment. XXXX should not have sent the remainder out for collection or reported it to the credit bureaus as owing a balance on the account. 
My Credit score has dropped due to this XXXX falls reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: IN 2009, the IRS mistakenly issued a lien in XXXX county ( XXXX ) Tennessee. The lien was for a different person with a similar name -- but was reported to all 3 major credit bureaus. I discovered it a few weeks after it hit -- and went thru a 3 month ordeal proving that it did not belong to me and getting both a release of the lien and then a withdrawal of the lien from the IRS. 
Once arranged, I forwarded both documents to all 3 credit bureaus and the item was properly removed from my credit files. 
Last week, in preparation for buying a home, A loan service ran my credit reports -- 2 were accurate ( XXXX XXXX and XXXX ) but Equifax was once again falsely reporting this lien as still active -- negating my ability to gain a loan. When I contacted them they informed it would take from 3-6 weeks to resolve -- and that they would mail me a copy of the credit report but would not in any way address the issues until I had gone BACK thru their complaint systems again. 
I have since sent the documents to the loan company and I think my loan will be fine -- but that does n't excuse the sick and perverse maintenance of this lie about me that has likely been there for months -- after successfullly removing it for most of a decade. 

Their conduct is such that I believe that they should be forced out of business -- as I can not see any other way that this event occurred other than thru Gross Incompetence or Deliberate Malicious action -- in either case -- please, please SHUT DOWN THE Equifax LIE FACTORY!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: open new checking account XXXX and it showed bank america never resolved claim and took all my money on accounts I closed before 3 years ago and now they have no one to help me and yet they placed all below information on my current account THEY NEVER RESOLVED AND GOT AWAY WITH THESE MY ATTORNEYS INTERESTED IN A LAWSUIT IF NOT CLOSE AND MONEY RETURNED IMMEDATELY HAVE ONLY 5 DAYS BEFORE LAWSUIT.
Current status : Researching Claim - your information was received & we are reviewing Help for Researching Claim - your information was received & we are reviewing layer Claim ID : XXXX Claim amount : {$1800.00} Initiation date : XX/XX/2014 Features Paperless claim documents : Enroll in Paperless claims documents Alerts : Edit Settings for Alerts Claim received stage is completeClaim started stage is completeClaim in research stage is active Claim closed stage is pending

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 02-01-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (DC).
Issue: Shopping for a loan or lease

Complaint: I purchased a vehicle on XXXX XXXX 2015. The car was financed through Wells Fargo dealer services. At the time of purchase my credit score was in the low XXXX. I spoke with wellsfargo and was told in 6 mos they would check for score improvement to give lower rate than 16 %. Fast forward to now, my credit score has improved a great deal yet my rate percentage stays the same. I called to refinance the vehicle and Wells Fargo denied me. My score has increased almost XXXX points and that rate of 16 percent is too high for a person that has my income and new credit profile. I want them to honor what they promised me

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 09/15/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (DC).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Advent Financial Systems, LLC (IN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. 
Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. 
I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 
2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 
3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. 

In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. 

All responses are requested in writing to be sent to the address in the letterhead. 

Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: OnXX/XX/XXXX, I applied for a balance transfer with AMERICAN EXPRESS. OnXX/XX/XXXX a balance transfer in the amount of {$3900.00} + {$110.00} which is 3 % of the balance. The terms are 15 months NO interest. I have been making ON TIME payments for XXXX,XX/XX/XXXX & XX/XX/XXXX With NO additional useage of card, but being charged " finance fee '' each month. I have called each month with NO resolution. They correct for the previous month and it happens AGAIN the following month this has become quite FUSTRATING! The attached statement balance should be {$3100.00} as you can see it ISNT!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Payday loan () with PAYPAL HOLDINGS INC. (NC).
Issue: Charged fees or interest I didn't expect

Complaint: My balance was under {$50.00} and they added charges totaling over {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2018 I called TransUnion Credit Bureau [ My Credit Score with them is XXXX ] to ask them why XXXX  and XXXX credit scores were 45 points higher [ ranging between 720-730 ] for the last 4 months. 

They told me that there was nothing they can do, but they could send me a free report within 10 business days. I waited 4 weeks and still did not receive a report so I called them today and they still said that there was nothing they could do again, but they would resend me me another report.

The issue is simple - how can two of the 3 bureaus have a 45 point difference and why does the burden fail on me the consumer to check into why there is such a hugh score difference?

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 01/19/2018 about Mortgage (FHA mortgage) with GRANDE HOMES INC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a refinance loan, to buy out a partner. The mortgage lender has been insisting I don't live on the property due to the fact that I have a XXXX. XXXX. They inquired about my divorce of 5 yrs ago and a paternity case where I was awarded legal and physical custody of my son. In their findings they concluded I don't live in the home. They decided not to raise the APR due to their findings instead they told me they would reduce the loan amount by {$50000.00} because my credit rating dropped when they learned I'm a XXXX XXXX and I don't make enough money XXXX XXXX. Yet, today in a phone conversation with XXXX at GHI she admitted I made enough money to pay two mortgages which I have been paying on time for the last 5 years, the other mortgage is part of a divorce settlement where In lieu of child support and Alimony I pay the mortgage. 
I applied for this loan prior to the XXXX holiday, I have been dragged along for two months on this loan process. I feel their practices are unethical and illegal. My personal life should be a private matter that has no effect on my income and my potential to make my mortgage payments as usual. I have a full time career of 20+ years making a six figure income consistently for the past 16 years. This is not the first I have been mistreated by lenders or escrow officers. These XXXX feel they have the right to vindicate another XXXX regardless of the courts decision and facts surrounding the courts decision. This is gender discrimination, but no court or government entity is willing to enforce the law equally and fairly when it comes to XXXX  breaking the law. They're licenses should be revoked.

Company response to consumer: Closed with explanation