milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in 2009 and had to move to another state to work. I had to walk away from my home XXXX. Bank of America went to the courts for the permission to recover the home, which the court granted. It has been XXXX years and BoA refuses to finalize the foreclosure because it is not worth it for them finish. This is holding my family hostage. My wife and son both suffer XXXX. Living in limbo and not having a home of our own is having profound impacts on my family. I am a XXXX veteran who needs to buy a home here XXXX, but I ca n't move forward with my life, because BoA is treating my situation unfairly.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease

Complaint: Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX 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 non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I faxed XXXX XXXX Consumer Credit Specialist Department a letter requesting account # XXXX to be removed/blocked from my credit report ( attached are the copies of the letter I faxed, NOTARIZED FTC AFFIDAVIT and POLICE REPORT ). This account is opened fraudulently. I am a victim of IDENTITY THEFT. I told them when I applied for a XXXX  account in one of your XXXX store, the lady who helped me whom I provide my drivers license and CITI credit card informed me that my application was declined. I never receive a card, I never activated a card and I never use any credit card from XXXX. I did not receive any letter/ response from XXXX . To  make matters worse, I disputed this account with the credit bureaus and they are claiming that XXXX  VERIFIED the account details as CORRECT and ACCURATE. 
I called XXXX  today XX/XX/XXXX, and like ALWAYS, I GET TO BE PASSED AROUND. I reached customer service who said they do not have complete access so they Transfer me to XXXX XXXX. - XXXX from XXXX  recovery group said : XXXX received the faxed docs. Said that XX/XX/XXXX they started working on the fraud case, no updates yet, and may take up to 30 days to update. Requested to be transferred to Fraud.
Rep from Fraud said it may take 30-90 days, could be more could be less. Said they cant do anything about it right now. Rep also wants to transfer me back to recovery saying that the recovery group should be the one that has full access to the account. I reiterated FCRA 605B, saying that fraud accounts MUST be removed within/NOT LATER THAN 4 DAYS upon receipt of the Notarized FTC affidavit and police report. But they said the investigation team is already on it and no results yet. They definitely received the documents needed to remove this fraudulent account and DEFINITELY MORE THAN 4 DAYS have passed. This is a violation of the FCRA and this company is robbing me of my rights.

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 01/16/2017 about Debt collection (I do not know) with Penn Credit Corporation (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Penn Credit Corp has constantly been calling my home for some time ( 24 calls since I began counting XX/XX/XXXX ). These are mostly hang up calls that register on my caller ID system. Penn Credit has left only two messages on my answering machine. These messages are vague and require an action from the listener ( " Hello. I have a message concerning important personal business. To receive this message in English, press one. '' ) When I looked this company up, I found them to be a debt collection agency. 
I am a single woman and responsible for my debts and those alone. I only owe money on a mortgage and that is up to date. I have never been late or delinquent on bills. I have never walked out on a debt ( retail, utility, medical, car, taxes ). I can only assume XXXX of XXXX things about the calls from Penn Credit : 1. These calls are for another unnamed person and Penn Credit has an incorrect/outdated telephone number on file. 
2.These calls involve some kind of scam or an illegitimate attempt to collect a debt I do not owe. 
Since I have never received anything in writing from Penn Credit Corp, and I presume that would be the initial form of contact, I believe # 1 to be correct. Therefore, let it be known, that I will never answer Penn Credit 's calls, respond to their messages, or call them back. They have a wrong number on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,   XXXX  , I was checking my credit report and saw a hard inquiry from   XXXX    (    XXXX   XXXX   XXXX   XXXX   )  Last Reported by Equifax  XXXX   XXXX ,   XXXX  . I did not apply for a credit card from  XXXX  or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX I did a balance transfer from the XXXX to my Wells Fargo credit card. As it turns out Wells Fargo left out a number XXXX from my account number. XXXX did not send an error message which is protocol whenever this happens. Consequently a check was sent and evidently did not get cashed. I 've been charged interest on each of these cards. They 've known about the mistake since XXXX and I 've spent countless hours on the phone trying to correct this. Wells Fargo sent me an affidavit and gave me a number of option s, none of which would describe the present fiasco. I had to promise that I would not sue them. Both banks were in error and it 's not in my nature to sue. I did sigh this and still nothing has been done. I just want this straightened out. I do n't want to pay any penalties or any interest I would not have otherwise occurred. Normally I do a balance transfer right when the interest rate goes up. I usually do n't end up paying for extra interest because i transfer the money back because of specials various credit cards have. The XXXX tellers gave me false dates about this when I inquired. I ended up paying for two or three months of high interests. I then did the balance transfer that never was recorded. Please help if you are able

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the De partment of Economic Security an d was advised that I am current in my child support obligation. I hav e 50/50  custody of our children and am being penalized as a responsible Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

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 09-02-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Making/receiving payments, sending money

Complaint: I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CO).
Issue: Managing the loan or lease

Complaint: Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Payday loan () with Big Picture Loans, LLC (ND).
Issue: Charged fees or interest I didn't expect

Complaint: i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. <P/><P/>In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.

Company response to consumer: Closed with explanation