milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: 1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the

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 10/18/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (NM).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Vehicle loan or lease (Loan) with YAMAHA MOTOR FINANCE CORPORATION USA (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I purchased  a used    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Motorcycle  from  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , GA.  XXXX  During the process I was asked if I wanted to purchase their extended warranty, at a cost of {$2000.00}. I said no. I had someone with me as well who also will attest I said no. I have a document from the company where it says I declined their warranty.   And yet I have a {$2000.00} addition to my loan without my consent. I called  XXXX  at  XXXX   XXXX  and complained about this, stating I had refused the warranty, after I questioned what the amount in " Taxable/Other Non Taxable " was. She said it was for taxes on the motorcycle and the warranty. I told her i refused the warranty, signed off on refusing the warranty and wont take the motorcycle under false pretenses. She simply said " Oh, sometimes they make you take a warranty.. to get the loan '' .. I said I was never TOLD I would be taking the warranty whether I wanted it or not. The documents SHOW i refused this warranty. I was suppose to hear back from  XXXX , she has declined to call me. I called several times, trying to reach her, left messages to the effect I refuse this loan agreement, this is tantamount to loan fraud, and demanded they remove this warranty from my paperwork. They also " padded '' their document fees and " Freight and prep '' fees to the tune of nearly {$900.00} on a USED motorcycle. THERE IS NO FREIGHT AND PREP. they didnt PUT anything together, they didnt even change the oil or air filter or spark plugs. there was no " PREP or FREIGHT '', the motorcycle was traded in. This is an outrageous extra charge to deliberately " Back door '' the buyer ( Me ), as they had a low FRONT end price on the bike, and had every intention of swindling the buyer on the backend.     At NO TIME did  XXXX  go LINE BY LINE and explain the " extraneous charges ''. I had been held up for  3.5  HOURS, was the end of the day, was after I got off work, and they simply used this against me in my signing off on what I thought was a simple loan. The Amount I financed I THOUGHT was the total WITH INTEREST ... I was charged an additional {$6200.00} ON TOP of the {$3500.00} I put down on a {$6800.00} MOTORCYCLE.     This is dealer deception and backroom swindling at its worst.     I told  XXXX  if they refused to take this charge OFF my account, then I wanted a full refund of every penny I put into this bike, some {$4700.00} so far, and they could come and TAKE THE MOTORCYCLE ...   I have yet to hear back..

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with WESTSTAR MORTGAGE CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Student loan (Private student loan) with AES/PHEAA (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was contacted by a collector within the company and told that the loan was in default and I needed to commit to paying {$600.00} per month for a year, and then the terms would be revised to reflect the commitment and my financial situation. At the end of the year the company continued to demand {$600.00} per month and when I explained that there was no way that I could continue to make those payments told me that the interest and fees would compound indefinitely. What began as a student loan amounting to around {$30000.00} for an in-state college has exploded to extortion of what the company quotes at approximately {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Today, XXXX XXXX, I went to verify my account status for my XXXX XXXX XXXX maintained by Synchrony Bank. I noticed on my credit report that this account had fallen off. I called XXXX and finally got to speak to someone. She told me my account had been closed due to inactivity and that the last activity was in XXXX of XXXX. I told her I wanted the account open but she refused. The bank closing this account involuntarily has damaged my credit rating due to the fact that I had this card for several years and had a reasonably high, {$4000.00} spending limit on it. I need this account to be reopened, please ; and am even willing to purchase using it. The account has had perfect payment performance at all times during the period while I had been using it more often. I should note that there does not appear to be any indication to me that this account has been closed other than the implication via absence from my credit report -- unfair tactics on the lender 's part.

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 04/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: - We purchased our family home located at XXXX XXXX XXXX XXXX in XXXX XXXX in XXXX. We have resided in our home as our primary residence since that purchase. We fell behind when the business owned by XXXX XXXX went under in XXXX. The XXXX 's financial sit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We originally submitted complaint against B of A on XXXX Case number : XXXX, we are adding a new complaint. BofA has a history with us of making life difficult and trying to make us refinance, The first complaint we made was because they denied access to our account when we were one month behind and logged on to schedule payments and access gone. Since contacting your office and The XXXX we also spoke with Bof A and have been told Bank of America no longer services our account. No notice, we received our regular email your XXXX statement is available for viewing log on to access ... nothing by email, on the account page, or in regular postal mail NOTHING. When we spoke to them last night They said they can not even provide us an account number for this " New '' mortgage. We have been given nothing but a name and phone number. This behavior is just so ridiculous and it is OKAY? Shift our account around and deny access to try to make the account be two months behind? Then fail to provide documents or information who to or how to reach ... Will you address this issue better than the XXXX? XXXX Case opened XXXX case closed XXXX ... yeah I guess they say account closed then case closed. Does n't that make it convenient and easy for these banks to do these things. Nice how everyone says oh follow this link to counseling help and re finance options etc .... ALL WE WANTED TOP DO WAS PAY OUR MORTGAGE,

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I would like to have Experian fined for knowingly and willfully placing back fraudulent information that was deleted. They are violating the Fair Credit Reporting Act and my  Consumer Rights.      Also I read, if an account is going to be re inserted on to a consumer 's credit report. The credit reporting agency is supposed write the consumer and give a 5 day notice. I did n't receive any of this. These were fraudulent accounts removed in  XXXX   XXXX , but Experian put them back on my credit report  XXXX   XXXX ,  XXXX .     Account  XXXX   XXXX   XXXX  Account  Number   XXXX . This fraudulent account was removed  XXXX   XXXX , by  XXXX   XXXX . They contacted all  XXXX  bureaus to remove this account. But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Account  XXXX   XXXX   XXXX  Account  XXXX   XXXX  .... This fraudulent account was removed  XXXX   XXXX ,  XXXX . But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Experian seems to have a personal vendetta against me. I want these accounts deleted again from my credit report, as they should not be listed. Experian needs to be fined for their blatant disregard for the Fair Credit Reporting Act and my  Consumer Rights.      Also please view the proof in the attachments

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 02/24/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open. 
I filed this information last year and they still show this incorrect info in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: To Whom It May Concern, I spoke with Capital One Auto Finance back in XXXX, XXXX trying to get assistance with my car payments as I had gotten behind on my payments due to hail damage to my home and medical issues which in turn caused me to get behind on my payments. I spoke with XXXX XXXX of Capital One Auto Finance back in XXXX, XXXX to make payment arrangements as I was not asking for a loan modification but more time to pay the arrears until I could be current on my payment. I owed 3 payments of XXXX totaling XXXX and I was inquiring if they could put the payments at the end of the loan as money is tight and I had not received the settlement for my roof. They kept insisting they would put two payments at the end of the term. Now, I had spoke with XXXX of Capital One Auto Finance to make arrangements and I was getting ready to send another payment of {$300.00} on XXXX, XXXX and was told no to worry my vehicle was safe and make the payment and call him back and they would work with me. I had planned to pay them more in XXXX, XXXX as I receive my student loan and could pay the arrears but before I could do any of this, this morning, XXXX/XXXX/XXXX they took my vehicle without warning and no letter informing me that they were going to repossess my car. All of my things are in the car and I spent the last of money until payday filling up the gas tank, only to miss work and call Capital One Auto Finance. I spoke with XXXX of Capital One Auto Finance and all he could do was put two payments on the back end but that I needed to come up with {$600.00} + storage fees to get my vehicle back. I do n't have that kind of money and I was recently in the hospital so my paycheck was shorted out due not having enough leave as this was an emergency situation. Capital One Auto Finance lied to me. I wasted my hard earned money paying for the car only for them to take it away. It 's apparent they do n't care and do n't want me as a customer. Please help if you can. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am in receipt of your online. '' I am upset that your credit reporting agency ( Experian ) would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

1 ) I have call XXXX and talked to XXXX XXXX X XXXX and she stated XXXX never validated info with Experian and similar response from XXXX XXXX. 
2 ) You never investigated XXXX delinquent date which was XXXX XXXX. Expired in XXXX XXXX 3 ) Please re-investigate of all these accounts XXXX delinquent date 4 ) It is past 7 years in XXXX XXXX If you have any questions, please contact me at the address listed below. 

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 08/15/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (DC).
Issue: Managing the loan or lease

Complaint: My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: there is a spelling of my name that is wrong. also it has an address Iv never lived at in there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) XXXX 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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation