milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: My vehicle was repossessed in XXXX of XX/XX/XXXX due to alleged default. I had lost my job in XXXX of XX/XX/XXXX and had called Toyota Financial Services to advise them that I would be late on my payments. They said that a late fee would be assessed and that XXXX I missed 3 months of payments my car would be filed for repossession. I had missed my payments in XXXX, XXXX and XXXX but had paid in XXXX. I called Toyota in XXXX and explained that I would be able to continue payments as I was re-hired by my previous employer. I knew that I was already 3 months behind but the agent told me that it would be fine to continue paying as long as I caught up by XXXX XXXX. I called them again on XXXX XXXX and advised that I would be paying ALL of my past due balance within the week and that I may not be able to pay by XXXX XXXX. The agent told me that they would notate the account so that I would be given a chance to get the payments in. I went to log into my account on the XXXX to pay and my account was locked out. I, then, called Toyota Financial Services again and they told me my car was picked up for repossession the night of the XXXX. I explained my above story to the man in the " redemption department '' but he said there was nothing stated on the account that I had ever called and spoken to somebody. He said the only notes reflected that they had called me repeatedly but that I never answered. Admittedly, a number called me multiple times per day everyday. Whenever I answered, it was dead air so I hung up. I do n't have time to sit on the phone for 5 minutes waiting for somebody to answer the phone when they are the XXXX who called me XXXX. Either way, XXXX times I spoke to the agents in the Financial Department, I was assured that I could get my payments in and I was never once told that my account was up for repossession. I received letters from Toyota in the mail but I did n't think to open them as I had already spoken with them on the phone and thought everything was in order. I understand that I am held to a standard to ensure I pay my due balances. However, as I stated above, I talked to their Financial Department multiple times and was told that they would accept my payments. When I went to make the payments, even before the date they told me they would accept it until, I was unable to and came to find out they repossessed my car anyways. 
*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Disputes on this card not resolved by the bank for over 12 months and very poor communication. 

XXXX XXXX XXXX staff are useless and please close this card and issue me a full refund on credit balance and disputes

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 07/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Deposits and withdrawals

Complaint: A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

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 05/31/2016 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my  report as inquiries as they are fraudulent

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 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

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 06/28/2016 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Arbitration

Complaint: I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (WA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I was recently denied an application at XXXX XXXX in XXXX. They used a rental check service from http : //www.on-site.com/renter-relations/. Their website claims that renters can obtain a free rental report by submitting a form on their website. I have submitted a request on XXXX XXXX and XXXX. I have not received any form of communication relating to my rental report. 

I have tried using their live chat who said that they could n't help and recommended that I call their phone lines. I called their phone lines and have waited over 45 minutes 3  times without getting anyone on the phone. This company has given me a XXXX rental rating which in turn is making it hard for me to apply to apartments. There is no way for me to communicate with them to see what is on my rental report so I have a chance to dispute if there are any inaccurate reporting. 

I have attached email confirmation of my request for rental reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Savings account) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I moved my savings account from   XXXX   XXXX   XXXX   to  Navy Federal  because the monthly charge but now I see why   XXXX   XXXX   XXXX   has monthly charges. About  XXXX  to  XXXX  weeks ago I had a problem with my  Navy Federal  account, I got a email on   XXXX   saying : Dear Member, A new Member-to-Member Payee has been successfully added to your account. You can now instantly send money to this member . Requestor 's name : ME. Payee 's   name :  XXXX   XXXX . When I saw this on my email I first thought I was a junk email but I opened my savings account and BOOM all my savings money was gone only {$34.00} was left in it, like a big laugh and a punch in the face. I went to the bank and filed a DECLARATION OF FORGERY/FRAUD form, that 's after I was questioned by the bank employee asking like what kind of phone do you got, where were you at at this certain time. Yes I understand that they got to be safe and make sure there not getting hacked/robbed but why would I do that to my own account, do n't you thank I would use someone else 's one then move it to my account? But anyway I do n't know much about computers in the first place only web browsing, email checking, and game playing that mostly it. But back to reason after I filed the DECLARATION OF FORGERY/FRAUD paper they told me my money will be back in my account in  XXXX  days well get ready fo some math it was filed   XXXX   today is  XXXX  the last time I checked on it was on  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, XXXX and Experian. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

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 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a lot of unauthorized inquiries on my credit report. I am submitting this complaint due to the lack of investigation into my original dispute of the hard inquiries that does not belong to me. These inquires are hindering me from receiving future credit and I am requesting for these inquires to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I started getting behind in my mortgage with Wells Fargo Home Mortgage. As a result of the Affordable Care Act, my Wife had her hours reduced to about 20 hours a week. I had been consulting with my Home Preservation Specialist, XXXX XXXX. She advised that a loan modification would probably be the best route. She sent me literature explaining various programs including a Modification that may extend my current mortgage of 21 years out to about 25 years and would reduce my monthly payment of {$1100.00} and to a more manageable lower payment. She took all my pertinent financial information. By XX/XX/2015 she had me set up with a trial period payment for 3 months of {$1100.00}. After a successful trial period, they would modify the mortgage with payments about {$840.00}. So, in order to make the trial payments, I had to stop paying XXXX personal loans that I had taken out to pay off some IRS debt. After the successful trial period, the best that she said her adjusters could due was extend the mortgage to 22 years to make up for my missed payments which totaled {$5700.00} making my XXXX XXXX payment {$1100.00}. I told her that was {$75.00} more than what I was paying before at {$1100.00}. She went back to the adjusters and allowed me to skip XX/XX/XXXX 's payment and modified the mortgage for a XXXX XXXX payment of {$1100.00}. I still felt this was not helping and is still {$3.00} more than the {$1100.00}. She basically said I had no choice and I could try to refinance with there refinance department. So, I signed the modification to enable me more time to try and refinance. After several inquiries to several mortgage lenders, including Wells Fargo, they told me that they could not help until I had at least 12 consecutive payments. The best Wells Fargo said was maybe six months with a VA loan for which I have a current VA Certificate of Eligibility. At this point, I felt I was ill informed that the modification would have reduced my monthly payment instead of increasing it. Now I am stuck, 5 months delinquent on the XXXX personal loans, and unable to refinance. I can not understand why Wells Fargo could have extended my mortgage out to 25 or 26 years where it would have lowered my payment. I feel that it was unfair for them to lead me into believing that the modification would have lowered my payment as explain in the flyer that they sent me explaining the program. And now as a XXXX American Veteran, I ca n't even find a company they would help me refinance

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