milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Debt collection (Payday loan) with Collection Solutions Inc. (ME).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter from " XXXX XXXX XXXX, XXXX. '' purporting to represent " XXXX ''. The letter is dated XXXX XXXX, 2016 and alleges that I owe {$1600.00}. The letter does not advise of an alleged initial loan amount, date of alleged loan, this office 's license to collect in my state, or any other identifying information about this alleged debt. This letter states that I have " ignored repeated demands for satisfaction of '' the debt, although this is the first letter I 've received from this office. The letter then unlawfully threatens me with " an additional cause of action '' and " significant increases ( of the alleged debt amount ) due to added costs and charges if additional ENFORCEMENT ( emphasis added ) is needed ''. 

This letter is threatening, falsely states that I have been previously contacted by this company, and provides me with no identifying information of what this alleged debt amount was initially or when I was ever contacted regarding the alleged debt. The letter further states that if information " furnished by ( me ) is determined to have been false, an additional cause of action may be instituted against ( me ). '' No information to which I am entitled by the FDCPA has been provided to me with this letter. Furthermore, there is no indication of the alleged original loan amount. In the state of Maine a payday lender may not charge interest on a loan per Maine 's XXXX Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, XXXX and Equifax, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because XXXX  and Equifax say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to XXXX and Equifax did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Installment loan) with Maximum Title Loans, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: Hello, I contacted you last year about Maxium Title Loans harrasing me over a unpaid loan. The case number that I was given XXXX. 

We eventually went to court on this matter and the judge ordered that I would have to pay {$730.00}, which what was owed when I defaulted on the loan after paying almost a year on it. 

I was going to have my wages garnished. The judgement came on XXXX XXXX, XXXX. 

I received a call at work on XXXX XXXX, XXXX from somebody probing my coworkers for information. I had already left for the day and my coworker referred them to my human resource department, XXXX. There was also a voicemail left on my work number as well saying to give them a call. Within 30mins of my coworker calling me about the call they got, I received a phone call on my personal number. My number is not associated w/my name and can only assume that my HR department gave them my personal number. 

The number Maxium Title Loans called from was XXXX XXXX XXXX and the gentlemen said that they were going to move forward on garnishment and did I want to work something out. I was in shock that they were calling me after being instructed never to call me at work and they could have not have had my personal number without getting it from my employer somehow. All that information was in the first complaint. 

I told the gentlemen that we were in court almost a year ago and I have been waiting for the garnishment since the court date. The gentlemen said that I owed the company over {$1300.00}. I told him that my paperwork said that I owed {$730.00} and it 's not my fault that they waited almost 1 year to get an extra {$600.00} on interest. NOT FAIR!! I told the gentlemen to do what he needed to do because I was not working anything out with him or his company. The garnishment should have taken place immediately after our court date and not 1 year later to gain interest. I am also reaching out to the courts where the judgement came from to see if I can get back into court for this delay that will cost me {$600.00} ( case number XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I BANK AT CHASE. I RECENTLY FOUND A VEHICLE I WANTED TO PURCHASE AND WANTED TO USE A DOWN PAYMENT. I WENT INTO CHASE BANK IN THE XXXX AREA, I PROVIDED MY CREDENTIALS ( DRIVERS LICENSE & CHASE BANK CARD W/ PIN ). THE CASHEIR 'S CHECK WAS FOR {$9000.00}. THE TELLER TOLD ME SHE NEEDED TO GET APPROVAL. HER SUPERVISOR CAME OVER AND WANTED TO VERIFY ADDITIONAL INFORMATION ( MY SSN, MY FULL ADDRESS, MY NAME AS IT APPEARED ON THE ACCOUNT, MY MOTHER 'S MAIDEN NAME, MY DATE OF BIRTH, MY PHONE NUMBER ON FILE, AND EVEN THE LAST COUPLE OF DEPOSITS ) FOR THE AMOUNT REQUESTED. AFTER VERIFYING MY ENTIRE LIFE TO THEM, THEY TOLD ME THAT THEY COULD N'T APPROVE THE CASHIER 'S CHECK BECAUSE THERE WAS A FLAG ON MY ACCOUNT DUE TO NOT ENOUGH ACTIVITY. THE SUPERVISOR THEN TOOK MY DRIVER 'S LICENSE INTO HER BOSS ' OFFICE. I WAS SO UPSET AND EMBARRASSED, I CALLED CHASE BANK CUSTOMER SERVICE ASKING WHY IS THERE AN ALERT ON MY ACCOUNT AND WHY COULD N'T I GET MY CASHIER 'S CHECK TO PURCHASE MY VEHICLE. THE CUSTOMER SERVICE REPRESENTATIVE SAID " I DO NOT SEE ANY ALERTS OR RESTRICTIONS ON MY SIDE SIR, YOU SHOULD HAVE NO PROBLEM GETTING YOUR CASHIER 'S CHECK '', THEN THE REPRESENTATIVE PUT ME ON HOLD TO VERIFY THAT WITH THE FRAUD DEPARTMENT THAT THERE WAS NOT ANYTHING IN PLACE ON THEIR END. THE REPRESENTATIVE CAME BACK ON THE LINE AND TOLD ME THAT HE SPOKE WITH FRAUD AND THEY DO NOT HAVE ANY ALERTS OR RESTRICTIONS ON MY ACCOUNT AND THAT I SHOULD HAVE BEEN ABLE TO SUCCESSFULLY RETREIVE MY FUNDS WITH NO PROBLEMS AT THIS BRANCH. I WATCHED EVERY LAST CUSTOMER WALK IN THAT BRANCH AND WALK BACK OUT WITH ALL THEIR CASH WITH NO ADDITIONAL VERIFICATIONS OR ANYTHING. I HAD TO PROVIDE MY WHOLE LIFE STORY TO THIS BRANCH AND STILL WAS LIED TO SAYING THERE WAS ALERTS ON MY ACCOUNT AND FLAGS NOT LETTING MY ACCOUNT BE PROCESSED. I WAS DISCRIMINATED AGAINST BECAUSE OF MY SKIN COLOR AND MY OUTWARD EXPRESSION THROUGH CLOTHING, OTHER INFRACTIONS WERE PROBABLY VIOLATED DURING THIS PROCESS. IT TOOK FOR CUSTOMER SERVICE TO CALL THIS BRANCH AND TELL THEM TO GIVE ME MY CASHIER 'S CHECK TO GET IT AFTER 37 MINUTES. THE EMBARASSMENT AND EMOTIONAL HURT IS WAS AT AN ALL TIME HIGH. I SUFFER FROM XXXX, XXXX, XXXX, AND NUMEROUS OTHER CONDITIONS. THIS IS NOT HOW A VETERAN OR ANYBODY FOR THAT MATTER SHOULD BE TREATED. I 'VE THOUGHT ABOUT TAKING THIS TO THE MEDIA TO SHOW THAT THESE TYPES OF PROBLEMS ARE STILL VERY ACTIVE AND ALIVE IN OUR BUSINESSES TODAY. I AM GLAD A HAD A FRIEND OF THE FAMILY THERE WITH ME TO HELP ME THROUGH THE UNFORTUNATE EVENT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XXXX if all debts were discharged on XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote a letter  to Capital one o n  XXXX   XXXX ,  XXXX  asking them to remove late payments that were showing up inconsistently on all  XXXX  of my credit bureau reports. All accounts had  XXXX  missed payments, each with different months ranging from  XXXX   XXXX   XXXX . I noted in my letter to  Capital One that I  only recalled being late once in  XXXX  of  XXXX  and requested that they updated my reports to show the one missed payment. Since then, I have received  XXXX  credit updates from   XXXX   and  XXXX  stating that I now hav e 4 mis sed payments on my reports from Ca pital one and not just the one  I recall in  XXXX  of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My Credit Score has been lowered the Credit Agencies ( Trans Union, XXXX ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

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 04-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: On XX/XX/XXXX I had bought jewelry ( diamond ring ) which they asked me to appraise before paying the full amount, since I did not agree on the price. The salesman named XXXX told me to appraise and if I find the appraised price lower than the price charged, I can return it. Upon appraisal by a certified GIA appraiser I found that the actual value was {$4400.00} and not {$9500.00} that they had charged. Also a small diamond piece fell off the ring. At the time of purchase I had paid {$5000.00} and the rest was to be settled or returned upon appraisal. I had called them and told them that the actual value was {$4400.00} and that they had charged more than double. I called the American Express and informed them on XX/XX/XXXX that they should place a block on XXXX XXXX and that any charges over {$500.00} they should get our permission before allowing the charges. I called again on XX/XX/XXXX and confirmed about the block. American Express informed me that they will not pay out any amount to XXXX XXXX. On XX/XX/XXXX XXXX tried to put through the charges {$4500.00}, it was denied by American Express. On XX/XX/XXXX they forced charged it using another ID and it was paid out by American Express in error. American Express did not keep up with their word. I called and wrote to American Express numerous times but they did not accept their mistake. XXXX jewelers told me that they will not accept the jewelry back and if at all I ship it back to them they will not accept the jewelry and we will not get the refund. Both parties did not do what they were supposed to and cheated me. Now American Express is trying to bring down our credit rating although it is their fault. I am a member of American Express since XX/XX/XXXX and paid my bills on time. I would like you to look into this matter and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Billing disputes

Complaint: I am unable to add information to my original complaint XXXX. Continued to have many issues with TD Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have requested XXXX Equifax supply me with documentation of their verification of the Bankruptcy on my credit file. XXXX Credit Bureau and Equifax Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from XXXX and Equifax. As of today XXXX/XXXX/2017, I have received nothing from XXXX or Equifax. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: i got a car loan from santander usa cosumer in XXXX have paid over XXXX to the interest and nothing towards the principal., they have reported to the credit breau that i owe XXXX on my truck, i have seen so many bad reviews on santander, I am no longet giving them any more money, its no way the interest is more than the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH).
Issue: Trouble during payment process

Complaint: I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
<P/>
  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
<P/>
I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting an acount from XXXX which is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a letter from Wakefield and Associates - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX - claiming that I owed XXXX XXXX {$150.00}. I wrote to them and explained that I had contested this with the doctor, and instead of responding to me, the doctor sent the file to collections. I explained that I had called this doctor for a XXXX consultation, and asked if the practice was a XXXX provider. I was told yes, so we went to the consultation. During the consultation, we were advised that the location that they used to perform XXXX was NOT a XXXX provider, and that our insurance would not cover it. 

Since we made the consultation appointment based on mis-information, I do not feel we owe for the consultation. 

Finally, even though I asked Wakefield and Associates in writing that I did not want them to contact me again, I received another letter from them in the mail today stating that I had asked for additional info. I did not ask for anything - I had only asked them to stop contacting me. They have not honored my request.

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 07/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX XXXX XXXX began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by XXXX XXXX XXXX before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to Nationstar. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted Nationstar to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.

Company response to consumer: Closed with explanation