milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is showing I have an account with XXXX XXXX that is delinquent. I have been disputing this account for almost three years. They have not removed it, and now they have added another XXXX XXXX delinquent amount owed to my credit report. They are also saying it will not be removed until XXXX 2022. Which means it will stay on my credit report for over ten years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. 
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a duplicate account on my Experian Credit file and I have disputed this information with Experian on more than one occassion yet they continue to report XXXX the accounts. I do n't understand how XXXX different collection agencies can even own the same debt much less XXXX them report it on my credit report. I have attached a copy of my Experian credit report showing that XXXX the accounts say XXXX XXXX XXXX XXXX as well as attached documentation from both of the companies that they sent to me when I requested validation. Whether I owe the debt or not is not the point in this situation. The fact is that this account has been misreporting for years now and affected interest rates etc. for anything I have purchased. I 've spent hours disputing the accounts and following up and I 've done my part to get the issue resolved and seems as though noone can get their ducks in a row pertaining to these XXXX accounts being duplicates and both of them reporting. This is illegal.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shermeta Law Group, PLLC (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle loan) with Lowcountry Credit Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: I financed a car through XXXX XXXX in XX/XX/XXXX. After missing two payments, my car was illegally repossessed by the company. I never received a delinquency letter, or a right to cure prior to the repossession. After the car was taken, I contacted the company and was told that I had to make up the delinquency immediately to regain possession of the vehicle. I was not allowed t to retrieve my personal items from the vehicle, nor was I given anything in writing, detailing the amount I owed. I received a letter a few months later stating the car had been sold at auction. I was never informed of any remaining debt owed on the loan. There were never any attempts of collection. I contacted the company twice asking for validation of debt but no calls were ever returned. 
In XX/XX/XXXX, I received a XXXX from the company, demanding that I declare the uncollected debt from sale of repossession, on my tax return. I have never received any information stating that I owe this debt. XXXX XXXX has had 5 years, under South Carolina 's Statute of Limitations, to pursue this debt, either through the court systems, or by legal means of debt collections. I have never been given the opportunity to validate the original debt, nor have I been given the opportunity to settle the debt under FDCPA laws. It 's not fair that I should have to add " income '' that has never been validated, to my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There are XXXX pages of history, via the U.S. Dept. Of Education website, somewhat detailing the major railroading I 'm trying to decipher. 
In a nutshell, I borrowed less than {$25000.00} & owe close to {$80000.00}. 
Crazy how every deceptive practice employed by Sallie Mae has been embraced & accepted as fact, in reference to my student loan debt. 
It 's an atrocity & a sin how so many others, such as myself, struggled through affording a college education & are now employed members of society, but my student loans & the debts they 've accrued ruined any chance of my home ownership. 
As I see it now, it 's also dismal in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX,2017 I made an online balance transfer with USAA for the amount of XXXX I 'm a XXXX Vet with medical documentation. I made an error filing the online balance transfer. I immediately called USAA to cancel the transfer. It was and still is in Pending. USAA informed me they would not cancel the balance transfer. <P/>I 've contacted them on XXXX XXXX,2017. Spoke with Executive Resoultion XXXX XXXX over the phone. Spoke with 8other USAA representatives. I also chatted with four different USAA personnel. All telling me NO. I called six different and chatted online with threeUSAA. I 've been calling everyday since XXXX XXXX,2017 and keep getting denied of the balance transfer. USAA wants to post the transfer so they can accrue the interest rates. I 'm XXXX and can not afford the interest charge of {$150.00}. I called USAA immediately when I realized my mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WV).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo repossessed my car in XXXX while I was on XXXX XXXX. I understand this was illega but it says the frametime is between XXXX. They did not have a court order to do this.

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 04/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.

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 08/30/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical bill of of {$370.00} owed has been fully paid but the collection agency has incorrect balance, payment record and history. I had called and disputed the reported debt on the credit bureau, still it has not been corrected and continues to impact my record negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Story enclosed in uploaded document sent to various Congressional and State Representatives including the Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.

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 04/25/2017 about Debt collection (I do not know) with The CMI Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call from  one spec ific number, and I do n't answer, Seconds or minutes later they call again using a different phone number, but my call ID says its the same company. I do n't have any debts in collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation