milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (UT).
Issue: Taking out the loan or lease

Complaint: I went into a XXXX dealership and was told I would receive a rate of .9 %. We agreed to a price and vehicle with the specific options I wanted. I explained that my trade in was n't running ( alternator died XXXX, and I would have to go charge the battery for the trip to the dealership. I came back the next day with my trade in and was pushed off to another salesman who said that they could not honor the price or the rate that we agreed to yesterday. I had driven my trade down there already and it was n't going anywhere. I was unable to do anything but take the new terms they offered. I then met with the man responsible for the contract and I noticed that one of the options that I had requested did not appear on the contract XXXX cross bars ) and specifically asked him about that. He said that they were included with the roof rails that were on the contract. I to possession of the vehicle and made the appointment at the dealership to have the options installed that we had agreed on. After having the options installed they indicated that the cross bars were not included. I questioned the man that wrote up the contract for us and of whom I had asked about the cross bars before and he claims he never said the cross bars were included. At this dealership every person that I spoke with deceived us and then passed us on to someone else. All of these sales and finance staff acting as agents for Honda XXXX Finance appeared to have a routine pattern of deception and shifting responsibility. I am now paying more than I originally agreed for both the loan rate and options on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

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 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
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: {$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..

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 09-08-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with NETSPEND CORPORATION (WA).
Issue: Unsolicited issuance of credit card

Complaint: I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I got an email on XX/XX/XXXX that my Bank of America checking account would spontaneously convert to a different type of account with a monthly fee for a balance below a certain amount. 

" On XXXX XXXX, 2018, your eBanking checking account will change to Bank of America Core Checking ''. 

" We 're updating our checking products and, as a result, your eBanking checking account will change to a Bank of America Core Checking account. Core Checking offers unlimited access to our ATMs, Mobile and Online Banking, plus access to our financial center tellers. 

What 's staying the same : Account information, including your account number, checks and debit card, all remain the same. 
Account features, such as direct deposit, Mobile and Online Banking, Bill Pay, as well as accounts linked for overdraft protection, will also remain the same. 

What 's changing : Financial center transactions Beginning XXXX XXXX, 2018, you will no longer pay a monthly maintenance fee because you use a teller to make deposits and withdrawals. With your Core Checking account, you will be able to make unlimited deposits and withdrawals with a teller at a financial center. 
Monthly maintenance fee A $ XXXX monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XXXX XXXX, 2018. However, you can avoid this fee when you meet any ONE of the requirements shown below during each monthly statement cycle. Otherwise, the $ XXXX monthly fee will be deducted from your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Two years ago I changed my checking account to avoid fees. At the time of this change, it was suggested by the bank employee I open a second savings account. I did so and was not aware the account would be subject to fees if the balance reached a certain level. As I NEVER used this account, I did not pay attention to fees being levied until I started receiving low balance alerts a couple months ago. When I finally reviewed the account, I found I had been charged a monthly {$12.00} account fee for eleven ( 11 ) months : total {$130.00}. 
Today, I contacted the bank as I was out of country for a period. The agent offered to reimburse me for six months of fees at 75 %. This resulted in a credit of {$52.00} ( I 'm not sure of the math on this ). The account is now closed. 
By my calculation, I overpaid {$130.00} in unnecessary fees. Less the {$52.00} credit, I am out {$75.00}, thus this complaint/claim.

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 08/15/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX transunion XXXX refuses to block lnvv funding toyoyta and XXXX card from my account the fcra law states that they have 4 days to block these accounts from my credit report

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Payday loan) with D2 Management LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!

Company response to consumer: Closed
Consumer complaint received 03/17/2017 about Consumer Loan (Installment loan) with Rosebud Economic Development Corporation (VA).
Issue: Problems when you are unable to pay

Complaint: I sent many emails to zoca loan requesting they not draft my account on Friday XX/XX/XXXX. I received no response. Today, they drafted my account without my authorization. They did not respond to any of my emails sent.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

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 03-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My private loans were bought out by Navient and I set up payments with them. My payments were roughly {$200.00} a month. When I began repayment my amount due was at {$75000.00}. After two years of making payments my amount due had n't gone down a cent, in fact it went up to over {$80000.00}. It did n't make any sense to me why this happened. I was luckily able to put my loan on hold for a few months, but now that I am supposed to be paying again I 'm reluctant because it feels like I am just throwing my hard earned money down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Federal student loan debt) with Malcolm S. Gerald and Associates, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This week it was announced that Equifax allowed 144 million of its customers information to be accessed by criminals. Mine is apparently among that information. I have called No fewer than a dozen times to their information number and have yet to complete one of those calls. Incredibly, they simply hang up on you. They are apparently going to offer some credit protection scheme sometime in the future to protect the people who they 've compromised. I 'm wondering why this is n't being done immediately? I would like to file a complaint about this company and get some resolution on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX    )  . Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had Transunion re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

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