milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (CO).
Issue: Problems when you are unable to pay

Complaint: Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My account was disconcted last year because i could n't work with the payment on XXXX 2015. 
The amount they are reporting is almost 5 times more that it originally was ... 

And will not pay something i do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other transaction problem

Complaint: Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls 6 times a day and very rude when i answer

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax continually blocks me from obtaining disclosure of my consumer file also known as " file disclosure ''. XXXX XXXX 2017, I discovered Equifax was blocking me from purchasing my consumer disclosure file. XXXX, Equifax repeatedly declined my requests for my file disclosure when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly on XXXX, the numeric portion of my current address was changed without my request. Alarmingly, on XXXX, I had not yet mailed my one and only dispute received by Equifax on XXXX XXXX 2017 via certified mail # XXXX XXXX XXXX XXXX XXXX. <P/><P/>Evidently, someone other than me, made an unauthorized dispute in my consumer file prior to XXXX XXXX 2017 and I never received results of the alleged completed investigation from Equifax. I suspect I am a victim of fraud. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file serves to further expose me to fraud/identity theft and harm. <P/><P/>Further to my dispute of addresses received by Equifax via certified mail # XXXX XXXX XXXX XXXX XXXX , I received Equifax file dated XXXX containing results of reinvestigation. However, Equifax did not provide me a consumer report, which is a clear violation of the FCRA. <P/><P/>On XXXX XXXX 2017 and XXXX XXXX 2017 I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money orders # XXXX and # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure or response. <P/>On XXXX XXXX 2017, I opened a case # XXXX against Equifax with Better Business Bureau ( BBB ) to complain about Equifax failure or refusal to provide me my requested consumer file disclosure. I never received the requested file disclosure or response from Equifax. <P/><P/>Subsequently, I learned that my money orders # XXXX and # XXXX were cashed. However, I dont yet know who cashed the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I received an Annual Escrow Account Disclosure Statement in XX/XX/2016 - outlining my mortgage escrow shortfall amount. I could choose to have the shortfall amount of {$710.00} included in my mortgage over the next 12 months or pay the shortfall. The option to pay the shortfall was to pay it in full or a percentage - I paid 50 % of the shortfall which was {$350.00}. Instead of the shortfall amount being applied to the escrow, the amount was applied to my principle. A new mortgage analysis was never completed to reflect the payment of the escrow shortfall - therefore a new mortgage amount was never calculated. Now I am being told that I am behind in my mortgage payment since the payment that is reflected is based on no payment being made to escrow shortfall. 
The payment amount is based on the escrow being divided equally into my mortgage payments over the 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have written multiple letter to ALLY about their accounting practices on my account. On XX/XX/XXXX Ally Sent me a final bill which made no sense in accounting My car was sold in auction with a SURPLUS of XXXX over the RESIDUAL BALANCE. ALLY did not give me any documentation of proof of the sale or sale amount. Ally also took at the profits and then still charged me for payments on the account when I did not have the car. They added fake fees and refuse to adjust this account. They have been reporting this account as owing XXXX. I do not owe this amount The Payment history shows me owing a balance of XXXX in payments being owed datedXX/XX/XXXX but on the final billing statement shows I owe XXXX??
If I owed XXXX total for my lease and paid XXXX+XXXX late fees=XXXX XXXX  total balance -XXXX balance owed XXXX is balance If there was a SURPLUS of XXXX and a XXXX credit where did they go?
There is no accounting for the account once it was sold of fees and sale amount.
ALLY are in violation of 15 U.S.C. 808 15 U.S.C. 802 15 U.S.C. 806 I am requesting a copy of the bill of sale of the vehicle and accounting for all charges and fees I am requesting In detail the break down of the final billing statement dated XX/XX/XXXX Explain specifically in detail where each credit and debit went to and where they came from.
I have disputed this multiple times with the credit bureaus and ALLY continues to report these false claims. My rights are being violated and ALLY as all of these CORPORATIONS are taking advantage of the people. I was never late until loosing my job. They sold the car and made a profit and lost no money and still want to bill me as a customer. This is unfair

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 02/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Shopping for a loan or lease

Complaint: I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I am trying to apply for a modification with Bayview Loan Servicing so that I can save my home. My assigned representative is named XXXX XXXX. My first impression of him was that he is very hard to get ahold of. I have always been told that he is the only person in his department that can discuss my file so I can not simply speak to the next available representative I have to call his number directly. It usually goes directly to voicemail. He picks up and immediately asks me to hold, sometimes for upward of an hour long. I know he has an email address and I asked him if that might be a better way to get in contact with him since he is so busy but he told me know he does n't check that the best way to discuss my loan is to keep continuously calling his phone until he picks up. 
The last time I spoke with him was on XX/XX/XXXX at approximately XXXX. There was only one more document being requested -- a document that I had already faxed to him the previous week. I asked if he got the fax and he said he has n't seen it yet and he does n't really trust faxes so I should just email it. The implication was that he was n't even bothering to check his faxes because they 're unreliable so the best way to send documents is email. He told me that I could reply to an email of his and if I replied back it would be uploaded to the account directly. He said the email would be out in about XXXX minutes. The email finally came XXXX -- six hours later. I simply could not wait around that long for him to send the email, and he told me that any documents sent to his email would be automatically uploaded so I had already emailed the necessary document to him at XXXX. 
When I spoke to him today, XX/XX/XXXX, he said that he closed my case because the all necessary documents had not been received. He said he had requested the documents on XX/XX/XXXX so he does n't even remember correctly what day we spoke. He kept saying that our correspondence must have " crossed '' which makes no sense because I sent the document within 15 minutes of him asking for them. Even now it 's only 3 business days since he requested the document so how can he close my file so quickly? 
I first applied for assistance back in XX/XX/XXXX and I even reapplied on XX/XX/XXXX because it had been closed for the same reason -- package incomplete. However with such poor communication from XXXX XXXX how can I ever figure out if and when they have all the documents they need? I am very concerned because after 4 months we are no closer to reaching a resolution on my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian, XXXX, and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

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 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
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 called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
Thank you

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 02-03-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: NAVIENT collected via wage garnishment {$5900.00} in excess.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: On XXXX, XXXX 2016 I called Bank of America to have a pending charge removed. The charge was unauthorized and I explicitly stated this. I specifically asked about fees and was told " You might get a fee, but it will be refunded. '' On XXXX, XXXX 2016 I had XXXX fees on my account, XXXX being a stop payment fee and XXXX being a returned item fee totaling in XXXX . I called customer service and was bounced from customer service to claims and back to customer service. 
After speaking to the customer service representative who told me there was nothing they could do, I asked to speak to a manager. The manager told me that someone had already tried to refund the fees using the automated system and that they were declined. I explained that the first person I spoke to probably did that before they transferred me to claims. The manager said I would need to have the company who charged me write a letter stating they did not have permission to charge my account to be able to refund the fees. 
I asked if I should have filed a claim, which is what I thought I did, and the manager said that yes I could have filed a claim if I had let the item post. I mentioned that if I had waited the 2-3 days for it to post I would have had a negative account balance the whole time and would not have been able to use my debit card. The manager told me that this is what I was supposed to have done. 
I pointed out that I got charged a stop payment fee and a returned item fee and I wanted to know why I got charged both, if the stop payment went through then why was there a return fee. The manager told me that I had a stop payment placed on the company name, but they charged me with a slightly different name and that is why I was charged both fees. I told him that was a technicality and he said he was sorry but that he was n't going to do anything about it and " if it was the first time you were complaining about fees, maybe I could do something. '' I asked if there was someone higher up I could talk to and the manager responded " I 'm the highest person that answers that phone. ''

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 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
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: XX/XX/2016 I was in XXXX and was told that I was purchasing a vacation package that included a certain amount of vacation packages at a deeply discounted price, {$190.00} to {$290.00} per week. I never received any paperwork in the mail as I was supposed to. I tried numerous times to contact the company and could never reach anyone. I finally received a membership card to XXXX XXXX XXXX XXXX. I called them and they have no record of the vacations that I purchased. I then tried to dispute with Bank of America who charged me the {$3600.00} plus a {$100.00} foreign transaction fee. I got denied because they said I did not provide all the information that they asked of me, however, I sent them everything they asked for and eventually they found what I sent. They reopened the dispute and then I never heard anything. Now this month I see that the charge is out of dispute and due and I never got any reasons or response from Bank of America. I have received absolutely nothing for the {$3700.00} I was charged by XXXX XXXX and Bank of America has been no help at all.

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 04-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted Equifax via phone on  XXXX / XXXX /  XXXX   to inquire about items that were removed and reappeared on my credit report. The first representative,  XXXX , was rude and wouldnt provide information regarding this issue. I asked to speak to a supervisor to report her and she transferrred me to a department that did n't handle the issue I called about. The representative told me that they have no record of any account being removed. I advised the representative of the accounts in question and he advised me of an account I never heard of. I advised the representative again of the accounts and dates removed but he was unable to assist. The representative aslso told me the letter I sent them regarding unauthorized inquiries were in fact mine. I also advised the representative that those inquiries were not accurate. I waited on hold for  XXXX  minutes to speak to someone concerning this issue but the only thing i recieved was a rude representative and a representative who couldnt care less about these inaccurate marks that is affecting my credit. I have attached my credit report along with the report showing all accounts that should be removed from  XXXX

Company response to consumer: Closed with explanation