milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Using a debit or ATM card

Complaint: This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX ( NOT SURE ), SAYING SHE JUST GOT THE COMPLAINT TODAY AND WANTS TO KNOW IF THIS WAS INTENTIONALLY IGNORED OR OTHER SITUATION. NEED TO CALL THEM BY XXXX. AFTER THIS, THAT WAS THE TIME AUTOMATED MESSAGE SAYING IT IS AN ATTEMPT TO COLLECT A DEBT BY DIRECT RECOVERY SERVICES. 
AND AFTER A FEW MINUTES CALLED ONE OF THE NUMBERS ON MY CELLULAR ACCOUNT WHO IS NOT EVEN ON ANY OF MY CONTACT INFORMATION SAYING THE SAME EXACT THING.

Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have thousands and thousands of student loans through Navient. I have been through the ringer with them time and time again. My loans are on auto draft and they continuously call me to say that my loan has n't been paid. Every time I was accused of not paying, I called and spoke to no less than XXXX people before my issue was resolved. They acted like this was all my fault, until I was able to get an honest employee on the phone. Finally I was told, '' there was a glitch in our computer that takes payments. '' That would be fine if that were the only time this happened. Every 3 months they call and act like they need me to start paying more. They tell me that I have n't held up my end of the repayment agreement by being late on payments. This has happened more that 20 times over the last few years. They have more than doubled my amount owed, because I put them in forebearance when I was first out of college. I now owe $ XXXX when I should have paid around $ XXXX. The last excuse I was given for the " late payments '' was that the date that I had my auto draft payment paid to them was late every month. This is a date that an operator setup over the phone. They charged me late fees and literally had me XXXX. I told theme, on many occasions, " this has to be a scam!!! '' It always turned into me yelling, because they would pass my call around to so many people. Sometimes I would have to hang up, because I could n't think straight. I have had many sleepless nights, because of Navient. I live a terrible existence, and I have a job that pays above average. Getting a college education is the worst thing I have ever done, because of Navient. I ca n't take the harassment anymore. Please help me and the thousands of other people just trying to make a brighter future for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent multiple letters that inlcude my drives license to TransUnion whereas I asked them to kindly correct the information that was false. In doing so, I provided TransUnion with a copy of my drivers license that they indicated was needed for proof to update their credit report and score.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 02-11-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Problems when you are unable to pay

Complaint: NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (SC).
Issue: Trouble during payment process

Complaint: I would like to register a complaint against US Bank for the unauthorized withdrawal of {$1400.00} from our bank account. I am attaching a letter where US Bank admits this was an error. An error that nearly caused us to bounce several checks. It took us several hours on the telephone For US BankTwo admit That this was a mistake And to clear it up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Monterey Financial Services LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Monterey ColXXXX Account # : XXXX High Balance : {$920.00} Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : {$960.00} Responsibility : Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I made a payment over the phone to Navient Solutions Inc for an amount around {$300.00} towards both my Federal and Private loans. The Federal loan amount owed {$180.00} and the Private loan owed {$110.00}. I was assured by the representative I spoke with that the {$300.00} payment would cover BOTH loan payments. 

About two weeks later on XXXX, XXXX I received XXXX phone calls at XXXX. XXXX call to my cellphone and the other to my home phone, both informing me that I am past due on my Private loan. 

I called Navient and spoke with a representative for about XXXX mins. She admitted that Navient had made a mistake and would correct the payment. I asked her to have the phone stoped. I was put on hold for nearly XXXX mins. She came back on the line and assured me that she had contact Navient 's collections department and all calls would stop. 

Late the same evening at XXXX I received XXXX phone calls from Navient 's collections department again. It seems Navient does not care for customer service. Navient Solutions Inc does not seem to care that they are harassing customers and violating FDCPA regulations. During previous calls in XXXX, XXXX dealing with same problem regarding my Federal loan, I was told by a Navient representative that it is not company policy to update it 's system the same day. He went on to tell me that I should just disregard all calls until the system updates on it 's own.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX CEO SETERUS RE : loan Once again I mistakenly contacted customer service at XXXX expecting to be assisted in my issue regarding {$83.00} that should have been credited to my principle account in 2010. Once again third time in 3 months your customer service department ca n't seem to pull it head out of its XXXX and answer a simple question. Once again today i was hung up on and refused to be allowed to speak with a customer service supervisor. 
Today the first XXXX that ca n't distinguish between call on hold and transfer button to voice mail. XXXX took my information and put me on hold for 17 minutes that was then switched to voice mail and I was disconnected. Typical when i have called over last 3 months. Called back and got connected to XXXX who i asked several times to speak with a supervisor. She refused and i was fed up with this XXXX that ca n't seem to understand I did n't want to talk to another XXXX rep that ca n't understand the customers simple request to deal with a supervisor. I hung up XXXX and called a third time and spoke with XXXX. Of the 3 she at least understood and honored my request to speak with a supervisor. After 6-7 minutes I was able to talk with a supervisor the was a total waste of time. The supervisor kept insisting that her people acted correctly, even though they XXXX dropped the ball first disconnecting me and then refusing the request to speak with a supervisor and not the XXXX. 
I will not be lectured by anyone including the XXXX supervisor when you XXXX clowns as a matter of habit hang-up and disconnect my calls EVERY TIME i have called in the last 3 months. Your supervisor lame XXXX apologies and lecturing the customer is not acceptable. If the department that deals with this stonewalls me in giving a response I directly hold your XXXX lame XXXX customer service accountable since they are the only contact number I have. Rather than answer a simple question or check with and inform the customer why they are on hold for 17 minutes or your XXXX customer service department try 's to defend its XXXX response and treatment of customers. 
This is nothing new with this XXXX company every time in the last year with the exception of one time I have been shuffled around, placed on eternal hold and hung up on. This attitude always comes from the leadership top down on how customers are treated. I 'm XXXX sick of your companies XXXX customer service reps. I am looking to refit and get XXXX away from this XXXX mess. The treatment you allow customers to endure is criminal and that is a understatement. Apologies from any XXXX supervisor or CEO XXXX mean nothing. 

Fix the issue and I also want the principle amount corrected for interest wrongly charged on the missing {$83.00} dollars since 2010. I will forward my complaint to XXXX and any other regulating agency that can slam you company and file charges for your unlawful misdirection of funds and wrongly accrued interest on the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to work with Bank of America my Servicer since XX/XX/XXXX. I have not been able to complete a loan modification due to XXXX Customer Relationship Managers and XXXX folks from the Office of the CEO for Bank of America. During a Loan Modification XX/XX/XXXX they removed my Customer Relationship Manager and sent my loan to Foreclosure. I sent in all the documents that were required. They lost my XXXX to reinstate my loan and took my 10 days to get them to find my money to reinstate my loan. I applied for a modification and Bank of America never returned my calls or worked with me. I have been in contact with someone from Bank of America 's Executive Department and he wo n't call me back since XXXX CST on XX/XX/XXXX. Today I have received a letter that I no longer have a dedicated Customer Relationship Manager and I have left multiple messages an NO ONE returns my phone call as I 'm trying to resolve this matter. The allonge to my note finally presented to me says I was sent into a securitization. I have asked my Investor, XXXX XXXX XXXX XXXX to provide me with a copy of the PSA and no response. The allonge to my note was endorsed by Countrywide Home by XXXX XXXX ... .with initials only and after contacting the Secretrary of State of California that is not her notorized signature transferring real estate only my note was initialled. I have offered to make arrangements to settle with Bank of America and the note holder for the Securitization with no response.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I have repeatedly asked TransUnion to investigate the collection agency  XXXX   XXXX   XXXX . They have placed a delinquent  XXXX  and a half year old account on my credit report and list the original creditor as  XXXX   XXXX .   XXXX  This account is inaccurate because I did NOT own ANY  XXXX   XXXX  account 4 years ago ; I attained my first  XXXX   XXXX  account last year --  XXXX   XXXX  can confirm this. In addition, the account was not in collectionsstill isnt listed on the other credit bureausuntil after my first submission of request to investigate i n  XX/XX/XXXX / XX/XX/XXXX  ;  this account was then upgraded to in collections status. Moreover, it appears that information from my original letter to TransUnion was used to adjust the estimated removal date. To my understanding, manipulation of credit information to secure debt on bureau reports is a violation of the Fair Credit Reporting Act.

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 01-08-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion Attn : Complaint Department XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing and these inquiries are not associated to any account I have. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX ( 3 inquries ) XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

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 04/25/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (IL).
Issue: Loan servicing, payments, escrow account

Complaint: TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.

Company response to consumer: Closed with explanation