milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (IL).
Issue: Taking out the loan or lease

Complaint: I guaranteed a company auto lease in XXXX with XXXX, the lease was for XXXX months and ended in XXXX XXXX. I made most payments on this lease because the company was not financially able to make them. In XXXX XXXX XXXX wrote me stating that a payment was due and I should remit it to them. I called XXXX stated that the lease has ended and that I no longer was associated with the firm, the response was that they extended the lease without informing me and that as long as the lease number did not change I was responsible. I stated that I did not authorize this extension and would not be responsible. 
Since that date the lease has been extended 3 times for a total of XXXX months without informing me, each time the company defaults they contact me and I repeat my original statement. XXXX has reported me as paying late to the credit reporting agencies damaging my credit rating. 
I have asked for copies of all signed documents and phone records relating to this lease and XXXX has refused to provide them. 
I do not believe that a 3rd party can obligate me without my knowledge or consent for a term now 50 % longer than my original commitment when XXXX was aware that this party was not credit worthy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / XXXX / Experian ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : EXPERIAN : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: A Citibank loan officer sold us a mortgage based on a " rate protection program '' whereby the interest rate of the mortgage could be reset to a lower rate under certain circumstances. Before the loan was issued, the loan officer stated that we had qualified for the program. After the loan was issued, the loan officer confirmed that the rate protection program applied to our loan. 
Some time post-issuance, we inquired about exercising the rate reset under the program, but Citi stated that our loan was not covered by the program. 
The issuing loan officer left Citi after the loan was issued. However, he confirmed in writing that he had indicated to us before and after the loan was issued that our loan was covered by this program. Citi has received his written statement acknowledging this but Citi refuses to cooperate and refuses to stand by the representations made by their former employee. 
Initially, Citi said there was no record of a commitment by Citi to include the rate protection in the loan. Then, Citi said they could not include it because my loan could not have qualified under the terms of the program because the program did not cover XXXX homes. I have reviewed a flyer outlining the terms and conditions of the program and there is nothing on the flyer that would suggest that XXXX homes are excluded. In any event, the loan officer was aware this was a mortgage for a second home and nevertheless represented that the program had been applied to the mortgage. Citi 's final position is that the bank is willing to do nothing and will not stand by the representations made by its former employee, even if those statements induced us into taking a loan with Citi.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.

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 11-07-2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: 21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.

Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (NJ).
Issue: Managing the loan or lease

Complaint: Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, USAA approved a debt management proposal for my account. Since that date, all payments required by the agreement have been made monthly. I received a letter dated XX/XX/XXXX indicating that the account had been assigned to a 3rd-party collection agency. Based on the accepted agreement and payments this assignment is incorrect. The debt management agency has contacted USAA on multiple occasions to have this error corrected, but USAA has not taken any action. USAA is currently reporting a " Charged off '' status on mine and my spouse 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Phone calls from ( XXXX ) XXXX starting XX/XX/1017 claiming to be Chase Bank stating my account is overdrawn. Subsequent calls have my overdrawn balance getting larger. I do not bank with Chase and I asked that they stop calling. I have received six calls since that date and I have added the number to my auto reject list but the calls continue to come. I contacted Chase fraud unit regarding the calls from this number, and they stated that number is not one of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.

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 03-01-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from XXXX XXXX to Carrington Mortgage. First off Carrington imposed their own insurance when I already had mortgage insurance with XXXX XXXX, had for years. All documentation was sent to Carrington as proof of insurance. The imposed insurance created a shortage in escrow. When Carrington added my insurance they added it twice thus charging me twice for coverage and increasing my monthly payment by {$340.00}. Have called many times and try to resolve the issue. They have accepted they made a mistake when adding the insurance to escrow account, however, they refuse to run a new escrow analysis to adjust the payment. They said they would spread the amount over 36 months to bring my monthly payment down, money I have to pay for their error, they failed to do that as well. I have called 7 different times to resolve this issue and there is no resolution. Once the customer service representative just said you have a good day and ended the call. I do not know what else to do or if and what rights do I have, is my only option to loose my house or keep paying the raised amount?

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2017 my XXXX XXXX Bank where I have my checking account paid Bank of America {$12000.00} for a credit card payment. My Bank of America credit card balance was only {$120.00}. I made the error in the payment, as I neglected to insert the decimal point. I discovered this error on XXXX XXXX, 2017 whereby I called Bank of America, and they said the difference would be refunded to me in two to five business days. Well today, Friday, XXXX XXXX is the fifth business day and the {$12000.00} that Bank of America owes me is still not refunded back to my checking account. Therefore, I called Bank of America and was now informed that these funds were not going to be in my account until XXXX XXXX. I was livid, to say the least. How can a huge banking entity such as Bank of America justify keeping over {$12000.00} of MY money for two weeks? That is ludicrous.

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 06-09-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,

Company response to consumer: Closed with explanation