milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Sale of account

Complaint: On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time, that had a hardship relief clause for an emergency that if you lost your job. Which was not honored, once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu, was far less than that which I paid in court. By about XXXX dollars. Prior to the lost of my job my account was at XXXX and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I have a auto loan listed on my credit file with XXXX, XXXX, and XXXX that is listing inaccurate payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been unable to use my rush card for 5 days. I get my paycheck deposited to my card and I have been without money for over a week. They keep lying and telling me that it will be fixed by the end of day. They have lied over and over again

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On or about XXXX XXXX XXXX hard inquiries were deleted from my TransUnion credit report. They were placed back on my report without my knowledge or consent the next day.

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 09/20/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an auto loan with ally financial and I an 40 days passed due. Primarily spoke to them and we set up when I would pay.. days after that they have called me 30+ times in two days with no voice mail..

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 03-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing

Complaint: For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. 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 explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.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 non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently checked my credit and I noticed my reports for TransUnion,   XXXX   and  XXXX  contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :  Trans   Union  :     XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I  also thin k that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were p laced on several different dates.

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 06/14/2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home earlier this year, through XXXX XXXX XXXX, they did a great job. We requested a payoff amount from HFC/Beneficial. After almost a week they sent a payoff to XXXX, and that amount was paid to HFC. In following weeks and since we have received payment notices for deferred payments of over XXXX years ago.I contacted HFC reps who admittedly stated that they made a mistake and payoff amount was not correct. We feel that was not our fault, can not afford to and should not be responsible to make an additional payment of more than XXXX dollars, and growing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.

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 01/31/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX XXXX, a charge for {$430.00} appeared on my checking account from XXXX. I contacted Citibank that day to initiate fraud charges. As of XXXX XXXX, XXXX, Citibank has not resolved this issue. I have made XXXX separate phone calls to them, and faxed them twice. ( Although I first lodged the complaint XXXX/XXXX/XXXX, I was not told to fax a written statement until XXXX/XXXX/XXXX. ) Citibank representatives constantly reference their attempts to call me, though my phone shows no missed calls, and no messages were ever left.

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 01-06-2017 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Untimely response to the Mortgage pay-off request

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
Consumer complaint received 03/25/2018 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, my name is XXXX XXXX I am new to the credit world. I have always paid in cash. Though, I am newly engaged and would like to establish some credit in my name. Upon looking at my credit info on XXXXXXXX for the first time ever I came across an account in collections called XXXX XXXX XXXX in collections with a company called Allied Collection Service in the amount {$380.00}. I have never been to this school nor ever heard of it or where it may be located. It is the only mark on my credit and do not know how it got on my report. I have had it removed from XXXX XXXX but it is still on XXXX. 
This is not my dept owed. I always pay my debts, please help me to have this false information removed from my credit report. 

Thank you!!! 
Sincerely, 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am submitting a complaint of the huge amount of interest that went on the loan since Navient has taken over. Even with the IBR, the payment is a little high. I was out of work for over 6 months and the repayment was higher than when I was working. I had to submit a request several times before it was completed and or processed. Not to mention that some of the loans have late payments and some do not even though they should all have been due around the same time. When I requested that the late payment be removed, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property. 
It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with Direct Recovery Services, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.

Company response to consumer: Closed
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Peter Roberts & Associates, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. Company has not responded.

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