milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a title loan with Titlemax in XXXX, Ga. I was not properly explained how much this loan would cost me. This vehicle was also repossessed 2 days before payment was due as I had cleared it with XXXX, the supervisor at that time. I have been treated unfairly by TMX the finance company as they have harassed my references with alot of harassing phone calls and actually showing up in XXXX, Fl knocking on a friends door. During this time I have had contact with Titlemax. I do n't feel this is fair practice and something needs to be done. Each time I make a payment it seems like not much comes off, as I pay XXXX a month and have been all the time since XXXX.I did get my payment lowered once they repossessed my suv, but noticed extra charges on there as a repo charge and some other charges, The repossession was Titlemax 's fault so I should n't be charged extra fees for this. Please something needs to be done. They do n't explain anything as far as fees added on and interest rate. My son had to be hospitalized and have XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Look, I just got this letter today regarding a {$760.00} debt!!!!!!! I ai n't paying for it, cuz I did n't do it ... and that 's all there is to it!!!!! And I no longer reside at the XXXX Address either!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 04-04-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: RE : Case # XXXX The company US BANK believes that they have the authority to close my account based on their policy/agreement ( s ) at anytime. I, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) didn't Agree with the policy because I reserved my rights Under UCC 1-308, the word free and UCC 3-402 ( a ) at the time of opening my account. The original contact should be on file. I also have a copy of the original that should be on file. US BANK closed my Account based on policy not Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (NC).
Issue: Problems when you are unable to pay

Complaint: Identity theft someone used my identity to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Forbearance / Workout plans

Complaint: XXXX, Chase card agreed to have me pay partially on an account since I had XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and was embezzled by an employee using my card during the time I was XXXX injured. They also agreed to not put bad marks on my credit score. I assumed it was taken care of and they would do what they said they would do. Chase bank reneged on that. Their reporting to the credit agencies is erroneous and the credit agencies reports are inaccurate. I have disputed this and they are relentless. I wish I would have filed BK, but I paid them. They also continue to make hard inquires on my credit report which further lowers my score. They are harassing me and damaging me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today, they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX, and did not appreciate being awakened. I looked on the CitiBank web site, and did not see the phone numbers that were left for me. I was told to call " XXXX. '' The phone number on my caller ID was " XXXX. '' I am also on the " Do Not Call '' Registry. I would like to know where CitiBank got my private, non-published phone number, and why they think I have a supposed " account '' with them. 
In addition, I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank, using my name or personal information, I would like to find out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.

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 05-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: WFM h ave ignored my complaints, pretending they do n't exist.   
We settled our mortgage in full with WFM after Wells  agreed to remove the unfair late Charges from our account.They removed over {$5000.00} in late charges.WF claimed it was a 'courtesy'.. while we pointed out WF had lost a similar case in New York when trying to force mortgage holders to pay unfair late fees and had to remov  e the charges.     The same department and employees at  Wells Fargo have been consistently harmful to us.   Wrongfully referring to my serious health problems at  XXXX , making intentional delays to harm us.     Having removed the {$5000.00} in late charges, this department has now very unfairly refused to remove the late harges from our credit reports. _Thereby causing us to lose new mortgages and making it impossible to buy a new home.     We told t his to WFM  but they refused to care or help.     Please could the CFPB help..   Please refer this to th  e CEO of Wells Fargo for a direct response.. ... ..
... ... as this deprtmet at WF ha  s been so biased against us and mean spirited.   It costs nothing (  zero $ )   to  do the right thing, yet they so wrongfully refuse.   They are standing on our throats, ruining our lives.     At my stage of life l want to get my wife settled before l die.

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 monetary relief
Consumer complaint received 03/25/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX, I am a customer with Bank of America. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.

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 04-03-2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.

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 monetary relief
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, three credit cards were stolen from me while I was at the gym. Upon realizing I was missing the cards, I immediately reported them stolen and cancelled the cards. I also filed a police report with the XXXX CO Police Dept. My  Chase United Explorer Card was used for a {$3600.00} charge at the XXXX XXXX in XXXX, CO. 
In XXXX I received a call from Chase Fraud Dept. telling me that since my personal information was on the sales draft they received from XXXX, that " I authorized the charge and would be expected to pay the {$3600.00} ''. I have been calling weekly and keep being told that it will be sent to rebilling but never hear anything. On XX/XX/XXXX I received a letter dated XXXX XXXX stating that I would be responsible for paying the {$3600.00} and the charge reappeared on my account on XXXX XXXX. 
I did call the XXXX XXXX and was told that if a card is attached to a XXXX account or has been used in the store before, it will autofill sales drafts? 
I have had this account for 18 years and have never been late in paying.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Fraud or scam

Complaint: rush card has failed to load a direct deposit loan from my XXXX. 
Issue has been ongoing about a week now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.

Company response to consumer: Closed with explanation