milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I applied for an online checking account with Santander on Thu   XXXX   XXXX   XXXX    . At the time, I gave my debit card information to make a {$25.00} opening deposit. The account was in " pending status ''. On Monday   XXXX   XXXX  , I noticed the {$25.00} debit card transaction come out of my other bank account, so I figured my account was approved and opened. I went back into the Santander online application service and my account still read " pending ''. Finally on Thursday   XXXX   XXXX   XXXX   I checked again and it was still in " pending status ''. I called them to see the story and I was informed they had some kind of a system issue with debit card processing and they needed to obtain my card number again. I explained the money already came out of my account, but they said they still needed the debit card number to find my account. I guess my name and TIN would n't be enough. I was told I 'd receive a welcome packet soon. On   XXXX   XXXX   XXXX     I received my debit card AND PIN number the same day, no welcome packet. I still did not have my account number at this point. On Tuesday   XXXX   XXXX   XXXX   I received my welcome packet that contained my account number. I activated online banking, and the {$25.00} deposit was still not in my account. I sent them email explaining the situation and complaint and received back a generic email telling me to call customer service. I called customer service, explained the situation, and was told they would forward the issue to that department for resolution. I logged back in today, Friday   XXXX   XXXX   XXXX   and my {$25.00} deposit is still not in my account! I 've contacted this bank several times for resolution and feel like t hey just do n't care to resolve this issue. They are obviously in violation of Reg. CC because I should have had an electronic deposit available to me no later than the next business 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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   client  XXXX   XXXX  is an identity theft victim ; his information was used without his consent to apply for several credit accounts. These application created fraudulent inquires on his credit reports, the creditors were notified of this activity via a formal dispute as outlined under the FCRA. After disputing an inquiry twice with  Capital One the inquiries are still being reported to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled millions of Americans ' personal information and delayed in notifying the consumers. In response, they are offering a free credit monitoring service that also waives one 's right to participate in any class action lawsuit against Equifax. In addition, they are charging consumers a fee to place a security freeze with them. To capitalize on this unfortunate event, due to their gross negligence, is simply unacceptable. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is incorrect credit card showing up on my account with name XXXX which is opened in XXXX of 2014 and had some balance of {$330.00} was never paid off. I have never applied for this card and me or someone related to me has never received any benefits related to those credit card charges. I have requested company to proceed quickly and close this case so that my home mortguage can be approved. 

XXXX has already removed it but other XXXX companies are not removing these charges. I have also filed the police report for this fraudulent credit card with the case number XXXX. And I have already disputed this with these companies companies and their early response will be greatly appreciated. I have attached report from one of the bureau to show this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted not only the debt collection agency, but the original creditor. I paid two payday loans directly to XXXX XXXX, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof. XXXX at Ad Astra informed me they do not see two accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on X/XX/2017. In addition I have asked them to only contact me via usps mail and they do not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.

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 08/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Wife opened an individual checking account with Bank of America ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Bank of America to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to " fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Bank of America closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Bank of America for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (CA).
Issue: Struggling to pay your loan

Complaint: TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. <P/>Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : (  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment.     I have had  two  loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments.     At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score.      I immediately called  TFS  to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request.     I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail.     It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail.     I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

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 Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This Company has place a Account onto my credit report on XX/XX/XXXX the date assigned was XX/XX/XXXX. I have attached the screenshot from my XXXX Credit Report. This company DID NOT notify me of any account before they placed this onto my Report. As you can see I had no time to Request A debt Validation nor Dispute that I am the owner of the debt. This company practices is in violation of the FDCPA Section 807 ( 8 ) ( this law is for said collection agencies ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Texas Finance Code Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.

Company response to consumer: Closed with monetary relief