milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On Thursday   XXXX   XXXX   XXXX     I contacted Bank of America ( " the bank '' ) to find out why my principal balance differed from what I was told it was going to be when I signed the documents at the dealership because all the guy could see was what was entered into the system. I was told to contact the dealer to find out. I called the dealer, but was unable to reach anyone. Then, I called the bank back to see if I could get a better response.  Low  and behold I was able to reach a nice lady who took time out of her busy day to help me get to the bottom of things. She was able to locate my loan documents and agreed that the loan document indicated that my balance should have been lower than what they had in the system. She told me she was going to submit a research request to get it all straightened out. She gave me a confirmation number and told me that someone may reach out to me if they had any questions or needed further information. After I got off the phone with the bank, the dealership called me back. Since the lady at the bank told me that she was working on a resolution, I told the dealership that and they went ahead and considered the issue being handled. The following day ( Friday   XXXX   XXXX   XXXX     ), I received a phone call from a rep at the bank, but we ended up playing phone tag and never had a chance to connect. On Monday    XXXX   XXXX   XXXX   XXXX   I received a letter from the bank informing me that they had been trying to reach me, but they were unsuccessful and I needed to contact them to get the issue resolved. I called them back on Tuesday   XXXX   XXXX   XXXX       at which time I was told that I needed to contact the dealership to get the issue resolved. I contacted the dealership again to no avail. The issue is a lack of assistance in getting a disclosure discrepancy resolved. I signed a security agreement agreeing to pay the stated principal balance and that is what I want to pay. No additional fees, no less than the agreed upon amount. I believe that this discrepancy is a Regulation Z violation and should be handled as such.

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 09-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, we paid off our home with U.S. Bank, NA on XXXX/XXXX/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to XXXX County Recorders Office on XXXX/XXXX/2016 and bank has since received the recorded release back from XXXX County. After checking my property records at the XXXX County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our home, their office is located in XXXX XXXX, TX and we live XXXX miles north of XXXX XXXX and should have received the item they supposedly mailed within 4-5 business days. My guess is that our lien release has not been processed and we have not been told the truth. U.S. Bank, NA did not have a problem of taking our $ XXXX, our hard earned money to pay off our loan, it was paid off with our savings, not with the loan being refinance. The loan was paid off 5 MONTHS AGO and I feel is it ridiculous that we have to make call after call, ask to speak to Supervisors just to get the paperwork off someone 's desk and to get the ball rolling to complete the lien release process. Unfortunately, at this point, my guess is that we have been mislead and our lien release has not been processed, even though we paid a fee to complete this process as part of the loan pay off amount!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had gotten my  BMO Harris  debit card stolen on   X/XX/17   and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XXXX    XXXX   payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX     XXXX    was made for $   30+ and  ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  BMO  when canceling my card and caused the payment for  XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come  X/XX/17    I received a phone call from  BMO  's credit reporting office and was informed my payment was  30    days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XXXX    XXXX   payment that totaled out to {$100.00} and then the next day was in fact double charged for  XXXX   XXXX  overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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 02/25/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT 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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased furniture from Conns in XXXX and let them know I needed my payment to come out on the XXXX. The salesman informed that had been arranged and my first payment would be due in XXXX. This is not what happened. They call me several times per day and I have informed them my payment is supposed to be on the XXXX and to note the account I will be making it then. This payment is not even 30 days past due as they claim it was due XXXX. On Sat they called me 11 times and this was after I told them what they were doing was illegal and I was going to report them. Then on Sunday ( when they are n't supposed to call at all, they called 5 times. Allready this morning XXXX they have called 3 times, and one call was 15 min apart. from the next. This company is harrassing me after I already informed them of the mistake and gave them the date I was going to make my payment. Again, this payment is not even 30 days late if we go by their date. And technically not even due yet if you go by the date that was promised the payment would be due. Please help, I have asked nicely several times that they fix this, and then told them if it did n't stop they would be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and cavalry portfolio services, collecting for a XXXX XXXX credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called cavalry portfolio to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.

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 02/22/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.

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 09/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I opened a small business checking account in 2015 with Bank of America because they offered a {$100.00} signup bonus ( with qualifying deposit ). I made the deposit and did not receive the promotion, so I called in and was told I had earned the offer but it was likely still pending. I waited but still did not receive the offer. When I called in again, they said I did not have the promotion on my account and had no record of my previous call, or of the initial call when I opened my account. Despite presenting them with online evidence that the offer had been active when I opened my account, they refused to fulfill the promotion.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. Thanks 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 explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Avant Credit Corporation (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They contacted me at XXXX and I am located in XXXX, AZ. I informed them it is against the law to contact me at that time of the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: There were fraudulent charges on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland credit management is trying to collect on an unknown debt that is n't even showing up on my credit report, they have called me numerous times at work on my work cell and have also called my fiancee 's cell and her home phone and my XXXX Daughters Cell harassing all XXXX of us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: APR or interest rate

Complaint: I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.

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 02/13/2018 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor Information XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX This debt collector its appearing on my credit report I don't understand why.

Company response to consumer: Closed with explanation