milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2018 about Checking or savings account (CD (Certificate of Deposit)) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I always make at least the minimum payment to Elan Financial Services on or before the due date through their online system. In this case, the due date was  XXXX / XXXX /2017. They charged a late fee of {$27.00} because the payment was not made by a certain time (   XXXX   central time ) on the due date ; however, their online payment system does not specify this time in my online account page until after the payment is being submitted.

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 08/16/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My {$25000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX were consolidated with my XX/XX/XXXX-XX/XX/XXXX{$10000.00} loans by Great Lakes without informing me that I would be ineligible for XXXX  loan forgiveness in XX/XX/XXXX. At the time I was XXXX on a partial salary and struggling to make payments. My Great Lakes loan was then transferred to XXXX XXXX where I later applied for XXXX loan forgiveness only to be rejected. Now I ca n't get the bulk of my loans forgiven which now estimate at {$46000.00}!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Payday loan () with CURO Intermediate Holdings (OR).
Issue: Can't stop charges to bank account

Complaint: The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
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: XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Credit decision / Underwriting

Complaint: In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My spouse and I filed a Chapter  XXXX  in  XXXX   XXXX  and it was dismissed in  XXXX   XXXX  after we decided not to continue with it. No debts were dismissed or renegotiated. Equifax still shows this filing on both of our credit reports after over 9 years from filing and dismissal of said filing. What is the rule regarding removing a Chapter  XXXX  filing from a credit report? Is there consistency across the industry regarding the removal from a credit file?     I filed a dispute with Equifax hoping they would remove it but  XXXX  verified that the entry on my credit report is correct as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was due a small refund from my Indiana state taxes and due did n't file for it due to the small amount involved. Apparently the Indiana State Department of Revenue put a black mark on my credit report indicating I had not paid my taxes, when actually they were paid in full on time. When I found out about this I went ahead and filed the tax return requesting my refund which the state then sent me. Now however, I ca n't get them to take the negative off of my credit report which incorrectly states I did n't pay them {$2700.00}. The money was taken out of my regular paychecks and was never overdue. I believe the State has now corrected their records to show this but still needs to remove the inaccurate negative information from my credit report. They did remove it from one credit agency but has declined to remove it from Experian. I think someone has made a mistake here and would be much obliged for any assistance in getting this straightened out. Thanks for any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls my job repeatedly and asks for my ex-boyfriend. got rude with me and threatened me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to 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 06/28/2017 about Debt collection (Other debt) with Stuart-Lippman and Associates, Inc (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My complaint is that I have an invoice that states one amount of a collection account and XXXX XXXX is reporting a different amount of {$170.00} to XXXX. I 'm disputing the entire account due to incorrect balance. I have attached the invoice that came from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from 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 non-monetary relief
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: OVER A YEAR AGO SOMEONE STOLE MY IDENTITY OPENED UP A CREDIT CARD ACCOUNT WITH XXXX AND XXXX. I PROVIDED EQUIFAX WITH MY POLICE REPORT, FTC AFFIDAVIT, AND PROOF OF THE PERSON THAT WAS BEING INVESTIGATED FOR THE THEFT OF MY IDENTITY AND EQUIFAX NEVER NOTIFIED THESE BANKS THAT I HAD A FRAUD IDENTITY CASE FILED AGAINST THE PARTY THAT STOLE MY IDENTITY. INSTEAD THEY IGNORED ALL MY POLICE REPORTS, DOCUMENTATION AND INDICATED FOR ME TO CONTACT THE BANKS INSTEAD. FOR AN ENTIRE YEAR MY CREDIT HISTORY HAS SUFFERED BECAUSE OF THESE BANKS AND I WANT THEIR ACCOUNTS REMOVED IMMEDIATELY FROM MY CREDIT REPORTS OR I WILL BE FILING ADDITIONAL CIVIL AND FINANCIAL CHARGES AGAINST BOTH BANKS FOR ALLOWING THE FRAUDULENT ACCOUNTS TO CONTINUE ON MY PERSONAL CREDIT HISTORY. FOR AN ENTIRE YEAR EQUIFAX HAS RECEIVED THE POLICE REPORTS PROVIDED TO THEM REGARDING THESE BANK CREDIT CARDS AND TO DATE THE BANKS NEVER REMOVED THE CREDIT CARDS FROM MY CREDIT REPORTS AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED!!! IF XXXX OR XXXX WANT TO RECEIVE THE POLICE REPORTS THAT I HAVE PROVIDED FOR AN ENTIRE YEAR TO EQUIFAX CREDIT BUREAU THEN THEY WILL NEED TO CONTACT EQUIFAX TO OBTAIN THEM CONSIDERING EQUIFAX ADVISED ME SEVERAL TIMES FOR AN ENTIRE YEAR THAT ALL INFORMATION WAS VERIFIED AND PROVIDED TO XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Medical) with Fairway Capital Recovery, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ON  XXXX / XXXX / XXXX   XXXX  Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from  XXXX  Bank, I was unable to open a new checking account When I found out that  XXXX  placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the Chexsystems report. That  XXXX  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  XXXX  Bank  XXXX   XXXX  to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected  XXXX . Documentation of how such said suspected fraud was committed. I have also asked for  XXXX  Bank to give me  XXXX  Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From  XXXX  Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from  XXXX  Banks Report of me in Chexsystems.

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 01/25/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: I noticed a double MIP payment on my Bank of America mortgage statement and called to question it. This has happened once before and I was told by the customer service agent that my mortgage was being transferred to XXXXXXXX XXXX XXXXXXXX. I researched the company through Consumer Affairs and discovered numerous complaints from customers. I called BOA and told them that I was totally against this and that they should be protecting me from such inferior servicers. They stopped the transfer. Last month I noticed it again, I called and they refused to give me any information and told me I would be getting a letter in the mail. Two weeks later I received it saying that as of XXXX XXXX, 2018 I would be transferred to XXXX. This is totally unacceptable and I emailed them again to complain that this is a terrible mortgage servicer and fear my mortgage could be in jeopardy because of their terrible customer servicing. I am up to date with my mortgage and their is no reason for this transfer except for a profit to BOA at my expense. This practice must be stopped and is hurting many homeowners who are struggling. I fortunately am not and want to keep it that way. It is BOA job to protect it 's customers from these type of servicers or inferior service. It should be nothing less of what they offered.

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 03/30/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. 

XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. 

XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.

Company response to consumer: Closed with explanation