milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.

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 07/26/2016 about Student loan (Non-federal student loan) with F.H. Cann & Associates, Inc. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: F.H. Cann & Associates is calling my place of employment and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with Focus Holding Company (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: _Focus receivables management calls twice a day about a debt. We have no debts with perfect credit, I read about this company and the Gov. should close their doors. They prey on the defenceless.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with Equifax I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with XXXX & Experian to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

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 01/20/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined. 
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment. 
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.

In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Trouble during payment process

Complaint: I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.

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 07-06-2017 about Student loan (Private student loan) with GRANITE STATE MANAGEMENT & RESOURCES (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. <P/>Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. <P/>My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had a Wells Fargo account for a few years now. In the last year I have noticed what I feel to be an intentional holding of debits or online payments until there was no money in my account to clear my debit charges causing abundant overdraft charges to my account. I have disputed with Wells Fargo and granted, they did partially refund 9 of the charges in the last year but I feel that they held on to some charges until I had no funds to clear. This lead to us not having ANY money in our accounts some weeks after my husband getting paid because his whole check would be gone. I have pulled 12 months and realized that a total of {$3600.00} are in Overdraft fees alone! I have tried to work this out with the bank and all I get is their generic " overseas '' response like they 're reading off a scripts and I feel really ripped off. They should have just changed our account to not be able to overdraft or something ... I am a mother and a grandmother, I have school age children and 1 in college, I can not afford to be treated in this manner..

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 05/24/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Presently, while the account is showing a XXXX balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer XXXX XXXX XXXX XXXX transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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