milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: This is a frequent reoccurring problem with the bank I use. Availability of funds. My recent deposit was made on XX/XX/2017, the deposit posted XX/XX/2017 the on XX/XX/2017, XXXX of a XXXX deposit was added to my account. I have been with this bank, formerly Soverign Bank, for fifteen years. In the past two years with holding funds to my account are a monthly event and I get monthly overdraft fees in the XXXX 's range. The visual posting of my account is deceiving as well.The checks that I deposit are not personal checks written to me rather bank checks from my clients all in the USA. I am a common woman, with a XXXX, my funds are limited and I live day to day. Clearly I will find another bank. I feel that the practices of Santander Bank holding my funds for days is that of thievery. They, Santander have immediate access to my money, we are in a lighting flash technology era, I know they use my money for a period of time to make more money for the bank and with my additional overdraft fees I am truly being robbed. A two day hold on personal accounts is only wrong and the people who have the least money get hit the hardest.

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 12/23/2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (MO).
Issue: Problems when you are unable to pay

Complaint: Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.

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 08-11-2016 about Debt collection (Medical) with Olympic Collection Inc. (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I call the debt collector to see if I could negotiate a payment plan for the amount that they list on my credit report XXXX $ and I ask them if they can send me an actual bill so that I can get a load and pay them, than a week later they serve me a court Oder in the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (IA).
Issue: Managing the loan or lease

Complaint: I completed my lease 36 month lease agreement with Nissan Motor Acceptance Company in XXXX 2016. When I took the car back to the dealership I signed all of my papers and had a balance due of {$0.00}. The leasing officer at Nissan told me that if any additional monies were owed such as the disposition fee, it would be sent in the mail. On XXXX XXXX ( 3 months later ), I received a letter stating my account was in collections for {$390.00} ( disposition fee ). At this point after also receiving multiple collection calls, I contacted Nissan on XXXX/XXXX/16 and let them know that I had not received any letters and questioned why this account was in collections. The first representative I spoke to said that letters were mailed but she could not send me proof that they were sent. I found this to be false so I escalated to a supervisor. The supervisor indicated that letters were mailed and were mailed to my current address. I asked for proof of the letters and the supervisor sent them to my personal email. Sure enough the letters were sent to an address I had lived in 3 years prior when the lease was originated. After receiving multiple collections calls I contacted Nissan again on XXXX/XXXX/16 to explain to them I did n't receive these letters and that this remaining balance should not be in collections. After being transferred multiple times I was put on with a supervisor that stated the statements were mailed in error to the wrong address as my address had been updated in the past. I told the supervisor that my account is not being handled appropriately and I should not be in a collections status. She informed me that I still had X amount of days before they would report to the credit agencies. There are several issues I have with the way Nissan is handling this : 1. They sent a collections letter to the proper address but my final statements and bill were not sent to the correct address. 2. This is unfair treatment as I am not being given the same amount of time to pay the remaining bill as someone who would have received their final bill. One month to be exact. 3. I asked the supervisor for the remaining balance which was a disposition fee of {$390.00} to be waived for the inconveniences this has caused me ( multiple calls to NMAC trying to get my issue resolved, possibility of having my credit impacted which could financially harm me in the future, receiving collection calls for something I was never given proper time to pay ). The supervisor stated that legally they could not waive this fee because doing so they would have to waive for all customers. I find this interesting that they will waive this fee I sign a new lease or buy a new car from them ( customer loyalty program ) but they will not waive if they make an error, harass a customer via collection methods, and impact their credit worthiness. I am requesting that the remaining balance of {$390.00} be removed by Nissan for the many reasons state above.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Home equity loan or line of credit) with KEYCORP (WA).
Issue: Credit decision / Underwriting

Complaint: I applied for a HELOC with KeyBank. After a week I was informed that my credit score was too low and would be turned down. I was told my score was XXXX. My scores are in fact XXXX points higher than that, in the XXXX-XXXX range, and no where near a XXXX. I produced valid XXXX credit reports from other lenders to prove this and was told it would be investigated. After an " investigation '' I was told that KeyBank uses a different scoring system with XXXX than other lenders. I was then then told that I could re-apply with a different division of KeyBank that would pull a credit report from a different reporting agency. Unfortuntely after attempting to do so I was told that would not be permissible for another 60 days. I have never heard of one bureau reporting scores to a bank that are XXXX points lower than what they are reporting to others. I do not feel that I should have been subject to waiting a week to hear this news after having submitting all of my required income documents at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 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: Public record information inaccurate

Complaint: After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...

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 02/28/2018 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it on my 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 10/31/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both XXXX  and National Credit System were able to verify this account 100 accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against XXXX & National Credit System. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Metro Collection Service, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Mortgage Loan Number Loan # XXXX Gateway Mortgage Group , LLC, XXXX XXXX XXXX XXXX, XXXX, OK XXXX Gateway mortgage has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). I disputed this directly with Gateway Mortgage numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " Verified, No Change ''. Report attached.

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 08/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX Tax Lien being reported on my Equifax credit report should be removed as it is satisfied and was filed in error over 6 years ago. I have requested Equifax remove this information numerous times but they report that the Lien is valid, even though I have provided a copy of the XXXX XXXX XXXX document showing it is Satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Other

Complaint: In XXXX I had a hardship. I noticed that no matter how much I paid on my Juniper ( Barclay 's Bank ) credit card the balance never came down. I was at 12.99 APR. I thought this odd since all my other cc were higher interest and the balance was reflecting my payments. So I called and asked for forbearance and also inquired about the balance and payments received. I was told that they could help by bring my interest down on new purchases for one year. As far as my balance they said I needed to pay more than the minimum which I did more often than not. After the phone call the closed my account. I made XXXX or XXXX payments and noticed no change in the balance and decided to stop payment on the Juniper cc and make payments on cc 's that were showing a positive result towards my balance. This was XXXX, up to this date I had paid nearly XXXX on a XXXX balance. They also locked me out of my online account to where I could not retrieve any information. Fast forward to XXXX. I have been receiving harassing phone calls from Juniper since XXXX asking for payment. I have sent letters, and have asked them to stop calling as I am not financially obligated to this account anymore. In XXXX XXXX the account was sold to a collection agency who told me that I had until XXXX XXXX to pay the settlement amount of XXXX or they will bring a judgement against me. I looked into my credit on both XXXX XXXX and XXXX and both show that Barclay Bank state that I continued to make payments up to XXXX of XXXX which is not only a lie but fraud. I have bank statements to prove otherwise. I was without employment. I was a student at the time, and refused to pay Barclay Bank due to their unfair practices back in XXXX. And since in XXXX I was the only one who was employed would be the reason for my asking for forbearance. Barclay Bank fraudulently added time and payments to my account so that they could continue to pursue, harass and ultimately sue me. 
I have disputed this with XXXX XXXX online, but will need to call XXXX to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Customer service / Customer relations

Complaint: I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later both cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.

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 07/28/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problems caused by my funds being low

Complaint: I contact Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 regarding Fund Payment withdrawal from my account from XXXX XXXX XXXX for {$86.00}. They closed the account and issued me a new bank card and when I try activate the card it wo n't it system directed me back to Customer Service Representative were XXXX XXXX indicated there 's a automatic hold on activation of the card because my account is over draw. When do that stop the Credit Union from Activating your bank card when if it overdraw I ca n't use any so why they feel need to prevent me from using the card this way is this policy and Federal Regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation