milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Problems caused by my funds being low

Complaint: I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: my loan was sold to this company and with in a few months I was told my escrow was $ XXXX short that I needed to pay it or have to added to my monthly payments. I could not get a explanation except it was short. a few more months later another bill saying my escrow was $ XXXX short still no explanation except its short and it will be reviewed again this year to expect this before the year is out. how can this be in the XXXX yrs I have had a mortgage this has never once happened it can not go up and 2-3 times in one year? taxes and insurance are billed once a year. I do not understand and can not afford to keep shelling out money to this incompetent company. I was reading reviews on yelp about them and it seems I am not the only XXXX is this confused boat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I missed one payment on my American Express card because I never received the bill for XX/XX/XXXX. American Express increased the interest charge on my account to 29.5 % Charging me {$440.00} interest. Could not resolve with AE customer servce.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 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: Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 09/28/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX WF Crd Svc ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX  ( XXXX ) Type : XXXX XXXX XXXX/Automotive Date : XX/XX/XXXX XXXX FL XXXX XXXX  ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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 09-05-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease

Complaint: I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.

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 02-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: while completing school at XXXX XXXX XXXX XXXX there were XXXX loans taken out for roughly {$12000.00} starting XX/XX/XXXX2016-XX/XX/XXXX2016. I finished school in XXXX and did not need extra loans taken out. I recieved a pell grant and private loan to cover the cost. I have spoken to my loan provider Great Lakes

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 12-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.

2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case. 

XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case. 

I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.

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 09/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: On Friday XXXX/XXXX/2015 I had used my debit card to make XXXX transactions final XXXX being XXXX and a XXXX transaction that took me XXXX dollars over my account limit. I have had my bank account for years now before the CARD Act of 2009 in which every time I was asked I REFUSED Overdraft Protection knowing the CARD Act of 2009 protects me from outrageous fees and is supposed to force banks to deny purchases when I do not have the funds availableFour years this was respected if for some reason I incurred a Overdraft Charge. I called Chase to inform them that these are illegal fees. I spoke with XXXX agents XXXX agent insisted the CARD Act does not exist and the other insisted that bank rules apply over the CARD Act. The manager claimed the CARD Act has nothing to do with debt transactions overdraft fees. Then the manager caved and claimed my XXXX XXXX charges were recurring fees and they have the right to overdraft as my purchases were shuffled. 

To where yes indeed it is true recurring transactions are allowed to be processed due to the card act and overdraft fees are allowed. XXXX is not a monthly fee not is it a recurring transactions and XXXX states on their site any bank listing it as such is mischaracterizing the charge. 

I am XXXX I understand rules and follow the law I do not understand how companies like this can try to go around the CARD Act of 2009. Its like they are trying to take advantage of people who do not know it exists. 

If anything I said is hard to understand PLEASE contact me as I am XXXX and my XXXX makes it hard for people to understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is 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 03/14/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (AZ).
Issue: Taking out the loan or lease

Complaint: See attached document for full story and facts. 
Additional document includes the XXXX extension contracts the first on for XXXX XXXX XXXX for 10 months in XXXX and the second on for XXXX XXXX XXXX for 23 months in XXXX and XXXX. Next are the XXXX original lease contracts for each car as stated above. I meant to have them in different order, but has been very hectic and stressful. I scanned at XXXX Library due to my movers stealing my brand new printer. I realize now I might like to provide additional docs for ledgers I discuss and advertisement mailed to me b XXXX XXXX for a set lower payment to purchase for 60 months then what quoted me for XXXX that only had an MSRP difference of a XXXX. XXXX attempted to defend in State Agency complaint in XXXX. I have copy that XXXX XXXX attempted to provide the State Agency that has actual advertisement cut off, when only showing body of letter portion. I will contact about how to provide that information further for your Agency. It was a lot to write about due to so many procedures I put in place that XXXX kept stopping. XXXX XXXX in XXXX AZ did n't think it was proper when hearing XXXX XXXX approved me with my daughter as cosigner for a new lease, but then refused financing to purchase my four year leased car instead. Therefore, XXXX XXXX in XXXX, AZ said we 'll get this done tonight or by tomorrow, but was stopped by XXXX XXXX and apparently the reason for the illegal taking of my car after failing to fax a payoff letter to XXXX Bank to purchase the car.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Other mortgage) with Alpha Title, LLC (KS).
Issue: Settlement process and costs

Complaint: Alpha Title did not transfer the funds to my bank after the closing. As the seller of a house, I went to Alpha Title to close around XXXX on XX/XX/2016. All paperwork was signed, but the Escrow Officer dated the paperwork for the next day, as she told me she could n't issue me a cashiers check or transfer the funds that day due to the time of day. She said the post dating was just a formality when I questioned this. About an hour later, I was informed from my realtor that the sellers agent ( who is a good friend of the Escrow Officer ) called the escrow officer and told her not to transfer the funds, as the new owners found some surface mold in the basement and were concerned. The closing was completely finishined. I would have not given the new owners the keys yet if I knew the Title Company could just not transfer the funds because the seller realtor told them not too!

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have many issues that I 'm dealing with but I will list them below : # 1 Equifax has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 For the past 2 months I have received no credit report # 3 For the past 2 months I have received no statement of dispute or results # 4 When I call, I am given no answer and told to write a letter. See # 1

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 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 information incorrect

Complaint: Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX XXXX, XXXX XXXX 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