milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX XXXX ( now a part of Huntington bank ) is still contacting me as of XX/XX/XXXX. The balance was paid in full on XX/XX/XXXX. The transaction posted to my account on the following business day ( Please refer to the XXXX XXXX XXXX  statement attached ). I 've also written several stamped letters and sent three certified documents. XXXX XXXX ( Now part of Huntington National Bank ) continued to call me to collect a debt even after I submitted proof of payment on numerous occasions. XXXX XXXX took it a step further and closed/charged off the account/reported me to the Credit Reporting Agencies and continued to call me even after the payment was received which is against The Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. 

One small transaction shouldnt lead to multiple {$35.00} fees. The original transaction was only XXXX and there was money in the account at the time of purchase. I was never alerted about the overdraft charges and the account continued to show a positive balance for weeks. XXXX XXXX deceptively waited to draft the money from my account at a later date which resulted in overdraft fees. 

We had completely forgotten about the XXXX because we rarely used the account. I had spoken with several individuals at the branch and over the phone to make a payment before XXXX XXXX illegally closed/charged off my account. By law, If I send you a letter stating that I dont owe any or all of the money, or asking for verification of the debt, you must stop contacting me. I 've sent numerous letters within 30 days after receiving each notice and the original receipt of payment to each department but XXXX XXXX ( Now part of Huntington National Bank ) continues to call/write me about an a debt that does n't exist )

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The XXXX account does not belong to me.

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

Complaint: Submitting a complaint about the Equifax hacking. The company kept my personal details in a non-secure form, allowing outside parties to obtain the information. It would appear the company did not take the proper precautions in order to protect my information, and from the reports, did not even attempt to. The hack occurred months ago, ( XX/XX/XXXX ) and has just been reported this month ( XX/XX/XXXX ).
I have already checked my credit report, and have taken the proper precautions that I am able to take on my side, but the fact remains that Equifax did not properly handle my information - whether on purpose or completely negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We received a notice from Specialized Loan Servicing in XX/XX/XXXX saying our HELOC was approved and we mailed in a signed form agreeing to the new HELOC terms. SLS sent another notice in XX/XX/XXXX, at a higher interest rate, which we signed and mailed in. SLS said the original agreement was not received. The second HELOC SLS said they received it two days late so they were unable to agree to the terms and the loan was due. We subsequently filed for a loan modification under the HARP program. Starting in XX/XX/XXXX we sent in the required documentation only to be told that additional documents were needed. We sent in the required documents only to be told that some were not received. We contacted our account manager and he suggested resending everything. We then faxed, emailed, and mailed all of the same documentation to their address. We made multiple calls to find the status of the loan and recently SLS said all documents were received and it was in review. 
During this same time period we were having payments taken out with automatic monthly withdrawals, paying the interest payment plus a additional {$1000.00}. In XX/XX/XXXX SLS said they were stopping automatic payments per our request. We did not request a stop to the automatic payments. To continue making payments to SLS we used their website to make a payment to our account on XX/XX/XXXX in the amount of {$1100.00} which was accepted by XXXX. The following month we used the payment coupon form provided by SLS which was mailed monthly to us to send a payment to SLS. The payment was rejected and returned saying the loan had reached maturity date and they are unable to cash the check. We were attempting to keep the loan current while the loan modification was being made. Subsequently, SLS has been sending reports to credit agencies that we were delinquent in payments even though we made good faith payments to keep the loan current through the loan modification process. Concurrent with this process we were working with our bank to get a personal loan for {$100000.00} to pay off the loan to SLS in case the loan modification did not go through. Due to SLS making negative reports to the credit agencies the bank did not go through with the loan. We also made a payment to SLS on XX/XX/XXXX for the amount of {$2900.00} to keep the loan current, to date they have not cashed the check or sent any written correspondence.

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 08-01-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (OK).
Issue: Other service issues

Complaint: I made a transaction using western unioun, about 7hrs later, I seen where the declined the transaction and they never gave me reason why.The took $ XXXX plus {$11.00} for the fee off my card.they said it would be put back on in 7 days.XX/XX/XXXX is when i sent they western union or tried to .It is now XXXX XXXX and i still havent got my money, and i have called, i have sent bank statements showing where they took my money.I am getting know where with them, The way i see it they took money off my card in 3 seconds, it shouldnt take 30 days, I really need that money at the time.They just wont work with me or tell me the truth they just give me the run a round.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: In XXXX, the Consumer opened a case against XXXX within the CFPB 's dispute mechanism. The subject of this case was the right to collect a debt alleged to be secured by the Consumer 's home. Matters were adjudicated between both parties wherein XXXX certified to both the CFPB and the Consumer that they no longer claimed the right to collect. They further stated that it was their understanding that the alleged debt was sold to Green Tree ( now, DiTech, LLC ). 

In XXXX, upon reviewing a Consumer report indicating the alleged debt from XXXX to Green Tree [ # XXXX ... ], a cease and desist was issued and an investigation as to the validity of the alleged debt in question was initiated by XXXX. The investigation returned unverified and subsequently said item was removed. 

In XXXX, upon reviewing a Consumer report from XXXX, the same unverified debt was still being communicated to a third party over and above a cease and desist vacant a notification as required under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to get the credit reporting agencies to update my records but they always say the information is accurate regarding accounts handled by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with Reliant Capital Solutions, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Reliant Capital Solutions began to garnishment actions against my wages on XXXX XXXX, 2017. The amount being withheld is {$310.00} per pay period ( twice monthly ). I was never contacted by Reliant never attempted to contact me to collect the debt or allow me to make payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Struggling to pay mortgage

Complaint: We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the  right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

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 03/20/2017 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It appears that an old student loan that I have received confirmation from the original creditor was marked as a paid keeps being resold and I keep having the issue reported on my credit reports. I disputed the validity through the credit reporting agency but the debt collector reported the date was valid. I sent a certified letter to most recent debt collector Weltman Weinberg Reis on XX/XX/2017 requesting information about the alleged debt. They have not replied to my letter and the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax is " updating '' information on my credit report, making it appear more negative and harder for me to obtain credit and productively live my life. I have been recently denied numerous times due to incorrect information on my credit report. I have asked repeatedly for verification of each account and to this date, I have not received any from Equifax. All I get is generic responses of " this item has been verified ''. Equifax has not shown any of the following accounts to be verified and truly owned by me : XXXX, ( XXXX ) XXXX XXXX ( sometimes listed as XXXX ), XXXX XXXX ( sometimes listed as XXXX XXXX XXXX ), XXXX/XXXX, and late payments from XXXX XXXX XXXX. These accounts have been removed and readded without my knowledge to my credit report more than a few times and I would like them deleted once and for all to never be readded.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the personal info page, there are XXXX addresses where I have never lived or had any family member lived there XXXX , XXXX and XXXX 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 non-monetary relief
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker. 

XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions. 

I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did. 

Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured. 

I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months. 

I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (CO).
Issue: Problems when you are unable to pay

Complaint: Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I had a account conversion from the Citi Advantage to the Citi Double Cash Card. I was told to call in at the year mark to have it converted because earlier it could not be done. I was told the {$95.00} would be credited in full and instead I received {$79.00}. I called and got the run-around from an agent. I called back again and got a passive-aggressive agent that would not let me get a word in. Bottom line here she said I was going to receive an additional {$22.00} and today I received an e-mail that reads I am receiving {$15.00}. Want to know why I am lied to?!? And there is a credit amount for - {$78.00} sitting on my account and Citi has not mailed a check.

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 09/15/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Got a payday loan approximately 2 years ago. Could not pay, due to job loss. Have been harassing ever since. Constant phone calls, calling my co workers and job, telling them they were from the procecuters office, saying they were going to come to my work, saying my boss better be with me, all kinds of nonsense. Calling people I never even gave a phone number for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (FL).
Issue: Closing on a mortgage

Complaint: LoanDepot has failed to deliver my escrow balance check of ~ {$3300.00} after I closed my mortgage with them and refinanced with XXXX XXXX. The loan was closed on XX/XX/XXXX. According to their customer service, two delivery attempts ( XX/XX/XXXX, XX/XX/XXXX ) were made, but I have yet to receive either of the parcels they supposedly mailed to me. 
I am very disappointed with their customer service. After multiple attempts to resolve this matter my own, I am submitting this complaint to let other consumers know how unethical this company is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief