milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX XXXX added an unknown female to my auto policy which cause my Comerica checking account to be overdrawn for XXXX from XXXX I regularly pay, I have been trying to contact Comerica bank to try stop that unauthorized payment and nobody is there to assist me, only automated menus, when I select transactions it says to call Monday to Friday. it is inadmissible they do n't have anyone that can assist me with unauthorized charges to my checking account which is overdrawn because of this charge, if they are federally insured they should have someone person to assist on this matter, unauthorized charges just do n't happens Monday to Friday XXXX to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my credit report has a charge which is not mine, listed under a person with a wrong date of birth, as per the Transunion representative I spoke with. He did not help me, states I need to send them a letter with this info on it, They made the mistake! This needs to be removed from my credit report!

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called Target to rectify my issue. Target closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Advertising and marketing

Complaint: Credit card solicitation to MINORS by AIRLINEs thru their Frequent Flyer programs. 
I complained to XXXX and XXXX, but than had to file a complaint to CFPA, and now those have stopped ( I think? ), but other airlines are doing the same. They should verify the AGE, before making these postal mail attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MD).
Issue: Managing the loan or lease

Complaint: I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Trouble during payment process

Complaint: The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.

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 08/23/2017 about Debt collection (Other debt) with Security Credit Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, thank you

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 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

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 05/28/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NH).
Issue: Shopping for a loan or lease

Complaint: so I went to trade in my car at a dealership when they got my info from my bankruptcy they told me I have n't made a payment since XXXX 2013 when I filed my bankruptcy. I told them I have been making my payments all along. that 's when they showed me my info on my bankruptcy and it showed only XXXX or XXXX payments. so they had to add all the obsolete payments up and add it to the price of the vehicle I was going to buy. and it came back that my monthly payment would have been {$950.00} a month. I laughed at them and said no thanks. I do n't think Honda financial should be able to hold all my payments from my credit report. it was killing my credit and also my car was n't even include in my bankruptcy in the XXXX place. I was on a 3 year plan to pay my bankruptcy off and I was told by Honda financial that they would n't put all my payment on to my credit report till it was all paid off. so now I cant trade my car in until all this is straightened out. what a big pain XXXX this has been. got to love the banking system!! not.

Company response to consumer: Closed with explanation