milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Possibly a debt from a previous identity theft that has occurred and was handled by the State Attorney Generals office. This debt is not mine and I am not responsible for any part of it. This debt was attempted to be collected by another agency over a year ago. XXXX must give their employees extravagant XXXX gifts because I find myself being harassed by a second company on their behalf again this holiday season. If XXXX finds their coffers to be low they should probably consider bankruptcy or some other solution rather than harassing people who have never, and will never, do business with them.

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 02/27/2018 about Vehicle loan or lease (Lease) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Sale of account

Complaint: Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with Modern Finance Company (CA).
Issue: Managing the loan or lease

Complaint: This situation with MODERN FINANCE has reached the limits. ALL THIS HARRASMENT FROM BOTH parties. I 'm being harassed and targeted for no reason therefore I 'm taking all necessary steps to secure my safety by all means necessary. Another civil theft has happen by Modern Finance third party XXXX personal information was once shared with this third party without my consent. MODERN FINANCE INTERNAL PERSONEL ( Collections Department ) Stated the only way for the vehicle to be redeem was that I walk in to there location with the full amount of the debt. soon as I Began to ask questions I could not get a straight answer and then he stated that I need to talk softly to him and then he just hung up. That shows the unprofessionalism that this certain entity lacks of. This is do to the erroneous information that MODERN FINANCE failed to keep up to date, monthly statements never came how they were supposed to. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous data from Modern Finance. there for hope that CFPB can help with this situation again for the forth time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On X/XX/2017, two charges were made to my PNC account from XXXX. One was for {$9.00}, which brough my balance to {$2.00}, and the other charge was {$3.00}, which brought my balance to negative {$1.00}. I was then instantly charged a {$7.00} 'service charge ' by PNC . So my account was overdrawn by {$8.00} after this service charge. I did n't immediately take care of the problem as I have moved states, and was traveling/busy over the next two weeks. This is my mistake. I received a call on XX/XX/XXXX stating that my account was now {$170.00} in the negative. So because of one overdraft charge, and then the bank 's own fee, I owe nearly {$180.00} for going less than two dollars negative. The punishment I received does not match the crime. It 's like executing someone for stealing a loaf of bread. <P/>So I paid it off after unsuccessfully attempting to have them be merciful, and asked them to close my account. Never use PNC. Use a mattress. A mattress wo n't steal from you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Closing/Cancelling account

Complaint: We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (IL).
Issue: Managing the loan or lease

Complaint: When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: Bought my 2nd home since XX/XX/XXXX, with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for 5-6yrs. In XX/XX/XXXX, I decided to modify the account but has been very difficult for the past 6 years. Tried short selling the property through an agent you helped me in finding a buyer, submitted all necessary documents and down payment. They refused I request deed-in-lieu of foreclosure, they refused. All while, they have trying to sell my home. All the time I am getting a new relationship manager. The loan has been sold or transfer to different company. Several time they will call my phone, when I do pick up, there is always a silent on the other end. This is very frustrating. About a week ago, I call the company, someone did answer, and I now request4ed to have my house back, I am no longer interested in modifying the loan. Please, can someone help me, I have been having a hard time with this company. The aggravation is affecting me health wise. Need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
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: U.S. BANK XXXX XXXX SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO 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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have a credit card account with Bank of America. They state in their Credit Card Agreement that they are subject to the laws of the State of North Carolina. I have read that they can close my account for any reason which they did. But they did not tell me what the reason was. I have never missed a payment and I am still making payments. I believe my account was closed because I used the Credit Card in   XXXX   XXXX    in  XXXX . Right after I made this trip they closed my account. I have never been delinquent.

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 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried twice to obtain my free credit report from Transunion because i was denied credit and they have denied me access to my report or credit score online. I went to XXXX and i was able to obtain both my XXXX and XXXX reports so that i may begin disputing the inaccuracies on my file and they have denied me over and over again and i have been unable to speak to anyone on the phone or via mail. May i please get a copy of my report already, this is getting so strange I keep answering all of my security questions correctly and they continue to ask for more time or more verification. I do not understand why they are stalling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: We have an issue with my husbands transunion credit we have sent in verification 2 times now and we still can not get a copy of his credit report ... we were told its being handled by the fraud department when connected to them we were told my husbands credit and a ladys credit were combining because their socials are so close ... now I had to fax over his social security card and his credit would have to be separated or sorted from this other lady 's well its been over a week and I still ca n't get anything done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Of my {$460.00} payment that I have been given through an Interest Reduction Plane this is what I pay. I do not think that I or anyone should have to pay this type of interest to get our student loans paid off. I am paying more than what I pay to get the principal paid down. This is just not fair to the people trying o get and education and find a job to live and pay off these loans afterward. 
Principal Paid : {$210.00} Interest Paid : {$240.00} Borrower Payment {$460.00} Balance {$100000.00} DIRECT SUB CONSOLIDATION LOAN Principle {$75.00} Interest {$84.00} DIRECT UNSUB CONSOLIDATION LN Principle {$140.00} Interest {$150.00} Totals : {$210.00} {$240.00} REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$34000.00} Unpaid Interest : {$30.00} Current Balance : {$35000.00} Payment Information Monthly Payment : {$160.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX Loan Status : REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$59000.00} Unpaid Interest : {$56.00} Current Balance : {$67000.00} Payment Information Monthly Payment : {$300.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX I and most others do believe that we could pay off our debts quicker if the interest was not placed upon us as such.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

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