milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CT).
Issue: Taking out the loan or lease

Complaint: I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Non-federal student loan) with Troy Capital, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX XXXX XXXX recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX . They sold the debt to Troy Capital, LLC and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Not my debt. Asked to remove phone number from data base. Called at XXXX AM PST on XXXX/XXXX/2015 and XXXX AM PST XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, 2017, I took a loan from Bridgecrest Acceptance Corp for a initial loan amount of XXXX for 65 months at 23.835 % with monthly payments of {$460.00} due on the XXXX of each month. The loan is simple interest. I have made two payments on X/X/2017 and X/X/2017, though the no portion of the payments are being applied to the principal. My account account with Bridgecrest still reports the original balance owed as well as my credit report though reports two payments made, but also reports the original balance of XXXX after two payments and based on simple interest amortization with payments being made before the due date, the balance should be reduce by at least {$200.00} but it not reduced and lender states that I owe the full amount with explanation or responding for further inquiries.

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 10/31/2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: I am a XXXX Veteran. I was contacted by USAA and told that I was pre approved for a mortgage, and they assisted me with figuring out monthly payments, and a GFE. 
The told me about the program that the government has regarding discounted home taxes. They asked me my XXXX amount, ( 60 % ) and told me that my house taxes would be reduces by that amount. When the qualified me for the loan, and I found a home they used that number for the taxes, and it greatly reduced my monthly payment. 
At no time, did they ever explain any other parameters for that program., or state that the taxes had any chance of not being reduced by 60 %. The link they even sent me for the government program, does not say the taxes are subject to any other local parameters. 

After I closed in XXXX, I then found out that the tax exemptions have to be filed for by a certain time to be counted for the following year. Because I closed in XXXX, it was already past that point. 
I filed, and the earliest they tax exemption I would get was now 1 1/2 years away. 
I made arrangements to pay the mortgage payment that was now {$2400.00}, not the {$1400.00} they estimated me, for the time being. 
When I filed for the tax break, they could not confirm the amount, and stated I had to wait until it kicked in, next year. 
When the " tax break '' finally kicked in, I found that it was a 60 % reduction on state and federal only, NOT school, which was the bulk of the taxes. 
my tax break was barley {$1000.00}. which I get in a lump sum, and my payment is still $ 2450 monthly! 
Each school district decides how much of a break, if any, to give. This was never even mentioned to me- and would have greatly effected my decision on where I purchased my home. 
I am now stuck with this {$2400.00} payment, and just barley making the payments every month. 
I am a single mom, XXXX veteran, on a fixed budget. Not fully explaining this program, and providing me with monthly payment estimates, and qualifying me for a loan based on a number they had no control over- was completely unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 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: Personal information incorrect

Complaint: XXXX/XXXX/XXXX Called Equifax, spoke to gentleman named XXXX, told him " current address '' of XXXX XXXX XXXX .... is the ONLY correct address for me for the last XXXX years. He told me he processed the removal of the 5 previous addresses that were listed for me and gave me a confirmation number. 
Today is XXXX/XXXX/XXXX and I am still getting notices from them XXXX several repeated mailings ) that they still reference the invalid previous residences as my prior current addresses. 
Again, the only valid address for me since XXXX, is XXXX XXXX XXXX ... ... 
I am so ... .. frustrated with them as I have filed other disputes with them as well as a prior filing with your agency for problems with getting things straight with them. 
Right now, my credit report with them looks okay except for those invalid/incorrect addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 to  respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC 168i6Biii, nor complied within the statutory period, I assume that you have not been able to re verify the information I have disputed. Therefore, you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at theaddress stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance. '' Your credit bureau may be liable for : 1. actual damaged I sustained by your failure to delete items 2. punitive damages as the court may allow 3. costs of the court action, plus  attorney 's fees

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am a victim of credit card fraud. I was notified by  XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   the bank representative informed me that a person or persons unknown to me opened  XXXX  credit card accounts in my name.  XXXX  card was opened at the   XXXX   XXXX  . The  XXXX   XXXX  card is backed by  XXXX  bank. The second credit card was opened with  XXXX . On  XXXX / XXXX /  XXXX   I contacted all  XXXX  credit bureaus. On  XXXX / XXXX /  XXXX   I went online and received a copy of my credit report from  XXXX  and  XXXX . I tried to obtain my credit report  from Trans Union but  after entering all of my information I received a message that said I could not receive a copy of my report because I ha d two open  disputes. On  XXXX   XXXX ,   XXXX   I made several call s to Trans Union and requested a copy of my report because I was the victim of cr edit card fraud. I also told the person I was speaking with that a  XXXX   XXXX  from the  XXXX   XXXX  police department had told me to get copies of my reports from all  XXXX  credit reporting ag ency 's. After speaking with 2 supervisors at Trans Union I was told I would have to wait until the 2 disputes were investigated. I was told that by law Trans Union has up to 30 days to complete their   investigation. I explained that I could not wait 30 days and needed my report ASAP. I was told the only way to get my report sooner would be to dro p the 2 disputes I filed. I said this is crazy. I just need my report so I can see if there is any suspicious information in my report and that I need a copy for the police department. Trans Union ref used to provide me with a copy of my report even though I was a victim of credit card fraud. This is not fair and it should be changed. Victims of credit card fraud should be giving their credit report upon request even if there is a current open dispute.   I have been very sick with   XXXX   XXXX   XXXX  for a few years now. All this has been very  XXXX  for me. I have had to spend many hours on the phone since this happened.

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 04-07-2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.

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 08/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I filed three fraud claims with Wells Fargo- one was approved as fraud ( {$380.00} ) and the other two were not ( {$170.00} and {$270.00} ). I have spent hours talking with the bank to no avail my account is overdrawn. I have not received a debit card. I have been disrespected and belittled by the lead at the bank I have requested to speak to a supervisor and I have yet to receive a call.

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 09-08-2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In accordance with FCRA & 650B paragraph ( a ), Transunion is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Transunion delete these accounts from my good credit record in accordance with FCRA & 605B paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Transunion remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion, XXXX and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX/2017 - XXXX XXXX XXXXXXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL onXX/XX/XXXX/17 -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's Transunion , XXXX and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, OnXX/XX/XXXX XXXX, XX/XX/XXXX they ran with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''

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 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Account " XXXX XXXX '' is not my account and I have no knowledge of this account. I have requested from the credit bureau on several occasions to provide me with their method of investigation and provide me proof that this is my account. All the credit bureau do is send me a letter stating " verified '' without any proof that the account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 pulled a copy of my credit report and noticed that there are several inquiries being reported on my credit report in error. I have sent 2 letters to Experian Credit Report agency via certified mail requesting removal or to provide proficient validation of the inquiries. They have failed to comply with my request. Before I seek damages, I'm filing an official report now as a last request. It is my understanding that the FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX  XXXX XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4.  XXXX XXXX XXXX XX/XX/17 5. XXXX  XX/XX/17 6. XXXX XXXX XXXX   XX/XX/17 7. XXXX XXXX XX/XX/17 8. XXXX XX/XX/17 9. CBNA XX/XX/17 10.  XXXX XXXX XXXX XX/XX/17 11. XXXX XXXX  XX/XX/17 12.  XXXX XX/XX/17 13. XXXX XX/XX/17 14.  XXXX XX/XX/17 15. XXXX  XX/XX/17 16. XXXX XX/XX/17 17.  XXXX  XX/XX/17

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