milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Title loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: This complaint is against Chase Bank Credit Card. I always pay my balance in full ; last statement was for {$1100.00} ; I paid {$1100.00} because there was an outstanding credit that had not been posted. I was NOT TOLD that if that credit was disputed by the vendor, I would be charged an interest on the full amount of the statement. I call this FRAUD AND ABUSE OF CONSUMER CONFIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from TRANSUNION, XXXX XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/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 10-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.

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 12-11-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax lied to the CFPB earlier this month in claiming to have provided a copy of my credit report to me ( see CFPB Case number : XXXX ). 

Specifically, in response to the above referenced CFPB complaint, Equifax claimed that it sent me a copy of my credit report on XXXX XXXX, 2015. 

I have not received a copy of my Equifax credit report as of today, XXXX XXXX, 2015. Mail from XXXX takes 2-3 days to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recently I received a debt collection letter from a company called Caine & Weiner with  amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. 

I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. 

Please investigate such fraud business. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system.

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 (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).

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 07-03-2017 about Debt collection (Credit card debt) with Hiday & Ricke, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am being abused and harassed by a debt collector from over 10 ( ten ) years ago! A judgement was entered against me in XX/XX/XXXX for a credit card debt that they bought from another company. The name of the current debt collector company is Hiday & Ricke , P.A . located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. The website is https : //hidayricke.com. The CEO is Attorney XXXX XXXX XXXX I sent them a letter dated XX/XX/XXXX offering to settle the debt for {$500.00} after I was sent a subpoena in XX/XX/XXXX to appear for deposition on XX/XX/XXXX. The debt collector sent me a letter back dated XX/XX/XXXX offering to settle the debt for {$1000.00} and to also send me a satisfaction on judgment. Unfortunately I did not have this amount at the time. In XX/XX/XXXX twenty-five ( 25 % ) of my wages were garnished without warning. As of today XX/XX/XXXX a total of {$5500.00} has been garnished from my wages. This debt collector refuses to settle the debt and instead wants me to pay them a grand total of {$15000.00}. If they were willing to settle the debt two years ago then why cant they make the same offer? My last communication with them was XX/XX/XXXX where I mailed a letter to the CEO of the company as well as sent to him on XX/XX/XXXX. He expects me to satisfy the full debt amount. You will see in my attachments how this is unfair and deceptive business practice on their part without mercy and regard for the consumer and my stressful condition!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by Transunion and  XXXX . However,  XXXX  still maintains these collection debts on it credit report.

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 10/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: My company offers an XXXX through Wells Fargo Bank. During Spring 2016 I had a medical bill I needed to pay and went to transfer some of my XXXX money to my XXXX checking account. At that time, I was told I could only transfer my XXXX money to a Wells Fargo account and thus had to open a checking account with them and had to buy checks. The checking account requires a {$1500.00} daily balance to avoid fees. I 've asked the XXXX team why I ca n't transfer to my other account and have been told it 's " because our system does n't allow for that. '' I do n't need to have a Wells Fargo checking account, as I have one I use on a regular basis already. I 've asked the retail banking team to have the monthly fees waived and they 've said no because I did n't maintain the daily balance. So now I have had to tie up {$1500.00} in a checking account I do n't want or really need, money that I 've put aside for medical bills due to XXXX and XXXX. I feel they 're keeping my money hostage and no one is taking responsibility for addressing an issue that does n't sound fair. Can you help?

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 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One marked by account as 'restricted ', I can no longer make purchases or access my {$1600.00} in cash back. I have spoken with them numerous times over the last 3 months and provided countless requested documents. Every time I submit the requested documents they come up with something else that they need or state that a document I sent in previously is now expired. I have gone as far as getting a new social security card because they stated the 'wording ' on my original one ( from XX/XX/XXXX ) was wrong! The last time I spoke with their customer service they stated that I can close my card at any time almost as if that's what they wanted me to do. I have a {$25000.00} limit on this card with a low interest rate and good cash back program so this is the last thing I want. The cash back amount I have received the last few years is 3-4 times the amount in interest that I have paid which leads me to believe that they're simply doing this because I am not a 'profitable ' customer to them. During this whole process I am unable to use my card or redeem my cash back while they collect interest on roughly {$6000.00}. Since XX/XX/XXXX I have only made the minimum payment due. I will not pay this amount off in full until they at least release the cash back earned so that I can apply it to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company XXXX XXXX XXXX and CACH , LLC is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.

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 07-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Credit determination

Complaint: On XXXX XXXX I tried to make a onetime payment to a vendor through Pay Pal with my credit card. Pay Pal was the only payment the vendor would accept. Pay Pal took all my credit card information and then pay the vendor through what they said was Pay Pal Credit instead of putting the payment through my credit card. I did not want any credit through Pay Pal. When they emailed me the same day XXXX XXXX, telling me about Pay Pal Credit I emailed them back saying I did not want any credit. I just wanted to make a onetime payment from my credit card. Today XXXX XXXX I received another email saying my payment to Pay Pal Credit is due. I called them and again told them I did n't want any credit through Pay Pal. They said there was nothing they could do because they said I applied for it. I believe this is fraudulent on Pay Pal Credit. I did not want their credit and somehow they stuck me with it and wo n't remove it. What else can I do to have them remove this mistake because they wo n't even after I called and spoke to a supervisor?

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation