milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. 
Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. 
As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. 

I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. 
The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. 
At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA is practicing unfair loans, they add interest to your car daily along side the interest that 's already added. They also make it where if you pay on time, that they find a way to get your payment late to add interest, please help do something about this company im begging you ive paid XXXX dollars on my loan and only XXXX dollars of it has been applied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: We disputed the date of first delinquency reporting on a credit account. The first delinquency was over 7 years ago. A few small payments were made for less than the minimum due, and several automatic payments were returned, therefore, the account was never brought current after the first delinquency. We submitted documents from the credit reporting agency and from the creditor regarding payments and documents showing the account was never brought current. The credit reporting agency stated that even though they had the documentation and that those documents proved the date of first delinquency was not reporting correctly, that they would not remove if the creditor stated the account should be reporting. I asked  2 su pervisors at Equifax about reinvestigating under FC RA Section 611, and Equifax stated they could not reinvestigate based on any documents the consumer provided, only by what the creditor reported. This seems like a violation of the FCRA 611, and I   do not think Equifax is following this regulation correctly, because what I submitted were documents from Equifax and the creditor as my documentation for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have 2 issues against 2 lenders. 
First one is XXXX XXXX. I sent in more than was required For My Minimum Paynent and instructed them in writing as to how I wanted the excess funds to be applied. They repeatedly failed to follow my instructions. 

Second complaint is against Naviant. When my loan was transferred to Naviant, they set my payment amount to the rate I had been paying, which was significantly higher than what my minimum payment amount was with XXXX XXXX. We wanted to pay my loans off faster and have been able too, but would like to have the option of the lower amount. ( Original payment was around {$500.00} and new one is around {$900.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Transunion is showing XXXX inquires on my credit report that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the inquires have the date of X/XX/16. When I called Transunion on XX/XX/XXXX, the representative told me that I need to dispute it directly with the financial institutions. That 's not possible, because I 've never done any business with any of them.

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 02-09-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Struggling to pay mortgage

Complaint: My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: This is not my loan and I did not take this loan out. 
This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. 
I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. 
Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. 
This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. 

THIS IS NOT MY LOAN!

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 11/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase flagged my account as fraud/ Abuse with XXXX. Now I can not open an account anywhere and I am a XXXX veteran who only recieves XXXX pay. This has caused me more hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other transaction problem

Complaint: I bank with  XXXX  and deposited a check by my neighbor on the mobile app it showed depositing into " account/routing # '' so assuming it was my account # I used it for my direct deposit form for my new job. On  XXXX  my check of {$ XXXX } was deposited into my neighbor 's account for Bank of America because of the glitch on the mobile app. I called Bank of America and the first person went into the account and said it was deposited and to go to the neighbor and get My money back. My husband called again to see why the account was n't verified and the  3 ba nk of America employees/Managers said they do not verify names  or SSN for  direct deposit. We called the BBB and they said that is incorrect so we called Bank of America back and they said BBB are liars. No one was willing to help us not even willing to inform their customer that their account was added funds incorrectly. My neighbor is a good guy and is out of town any money he spends that is mine can and will be fraud.

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 11/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank, during the month of XXXX 2015 closed my Gap Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal XXXX Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Gap Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (LA).
Issue: Managing the loan or lease

Complaint: NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
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: In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not provided me with original copies of their XXXX XXXX, 2016 correspondence addressed to me. This is not the way to conduct business during the modification, loss mitigation and workout processes. I want original written communications from Bank of America at all times, not a copy of a faxed version of an original written document which is what I got.

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 01/24/2018 about Debt collection (Other debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: The Navy Federal Credit Union ( NFCU ) has implied several times that, " when customer ( XXXX XXXX XXXX ) transferred his ( protected funds ) from his checking to his savings, those funds lost federal XXXX protected status, '' however, manager 's at the NFCU, XXXX Branch, XXXX, California state that, " customers checking and savings accounts are tied to each other and ARE the SAME. '' The NFCU continues its delusional behavior on their statement of denials on case numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. They have failed to produce credible federal laws that over-ride the following federal XXXX exemption laws.

( 1 ) Americans with Disabilities Act.

( 2 ) Public Law 111-275 Veterans Disability Protection Act ( VDPA ) of 2010.

( 3 ) Title 38, Section 5301 ( a ) ( 1 ), Veterans Benefits ( 4 ) 31 CFR 212.6 Rules and procedures to protect benefits.

Sincerely, XXXX XXXX XXXX  XXXX Veteran Copies to : The Department of Veterans Affairs The Office of Congressman XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Fraud or scam

Complaint: I thought I was buying an XXXX online. The person told me to transfer them money and they would ship the product. I sent the money and then they blocked me so I could n't complain to them that I was scammed out of money

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Due to having an incorrect address, XXXX forwarded my account for {$110.00} to a collection agency ( Focus Receivables ) at XXXX. They negatively reported this issue to the credit bureau and I have attempted multiple times to resolve this issue and get it removed from my credit file.

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