milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: I USED MY XXXX ATM CARD @ USbank ATM IN XXXX GROCERY STORE ON XXXX/XXXX/16. I REQUESTED A {$500.00} WITHDRAWAL. I 'VE DONE THIS FOR SEVERAL YEARS AT THIS ATM. I USUALLY GET XXXX BILLS 0F {$20.00} DENOMINATION. MY RECEIPT SHOWED A {$500.00} WITHDRAWAL, & WHEN I IMMEDIATELY CHECKED FOR ACCURACY @ THE CUBICLE TO THE LEFT OF THE MACHINE, I DISCOVERED I HAD XXXX {$20.00} BILLS, XXXX {$5.00} BILLS, & XXXX {$1.00} BILLS FOR A TOTAL OF XXXX BILLS WORTH {$390.00}! 
I IMMEDIATELY WENT TO THE USbank BRANCH NEXT TO THE ATM TO THE ATM MACHINE & COMPLAINED TO A TELLER. 
SHE CALLED HER BRANCH MANAGER, & HE DECLARED THE ATM MACHINE HAS NEVER BEEN WRONG. HE ALSO SAID I HAVE TO FILE A CLAIM THRU MY BANK ACCORDING TO REGULATION E. 
THIS ALL OCCURRED WITHIN ABOUT 15 MINUTES. 
THE ONLY STATEMENT I COULD GET FROM USbank WAS THE BRANCH MANAGER 'S BUSINESS CARD. I CALLED XXXX WHEN I GOT HOME & FILED A COMPLAINT. ON XXXX/XXXX/16, I CALLED USbank & WAS TOLD THE SAME BALONEY, ALTHOUGH THIS BANK EMPLOYEE ACKNOWLEDGED ATM SHORTAGES ARE XXXX XXXX & BLAMED XXXX OR WHATEVER COMPANY SERVICES THE ATM MACHINES. I ALSO FILED A POLICE REPORT WITH THE XXXX PD, NV ON XXXX/XXXX/16. HOWEVER, ON XXXX/XXXX/16, XXXX PD INFORMED ME THAT THIS WAS A CIVIL MATTER! THUS A USbank ATM SHORT- CHANGED ME {$100.00}, & THIS IS CONSIDERED A CIVIL MATTER. I CLAIM THIS IS OUTRIGHT " THEFT! '' I RECEIVED XXXX BILLS & ONLY XXXX WERE {$20.00} DENOMINATIONS. THE ATM MACHINE EITHER XXXX UP OR SOMEONE ( S ) XXXX WITH THE MACHINE!

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 05/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-signer for my son 's XXXX private student loans, and I am the primary signer for XXXX Federal loan l, all XXXX loans with Navient. I paid off XXXX of the private loans and the XXXX Federal loan. The Navient website for the paid off loans reflect a paid-off date of XXXX XXXX, 2016. Due to a delay getting the checks to the correct address within Navient, regular monthly payments occurred which in turn, caused the amounts paid to be greater than the outstanding balance. Consequently, there are now credit balances on the XXXX loans I paid off. So I called Navient to inquire about how and when I would receive the refunds of the overages. What I was told is that it would take XXXX to 60 business days for me to receive the refunds. As I found that answer unbelievable, I called Navient more than once to verify that answer, asking each time I called I why it takes so long. The answers were somewhat vague, but in essence they said they had to make sure the account was paid off, after which they would need to generate a paid-off letter to mail to me. The refund amount owed to me is over {$1300.00}. How absurd to have such a long waiting period! What that does is to give them the use of my money and prevent me from having the use of my money. During the XXXX to 60 day waiting period, they still collect monthly payments since the accounts are not officially closed, which means the refund amounts will continue to grow. If I stop paying, then I run the risk to being tagged as late or worse, which in turn affects my credit rating. In my opinion, their delaying tactic is a form of thievery, particularly since they will not pay me any interest for having the use of my money during the waiting period. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with AllianceOne Recievables Management (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This information is all errors : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/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 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Vehicle lease) with OCWEN LOAN SERVICING LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I had an auto lease account with GMAC that was included in Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX. GMAC is continuing to report this account derogatory on my credit report every month to this day. When I contacted GMAC I was told they will continue to report the account derogatory regardless of it being included in Bankruptcy for 10 years from the date the bankruptcy was discharged. I would like the CFPB to help me to get GMAC to operate within the confines of the Fair Credit Reporting act and to stop reporting this account as derogatory, and further to take all of the derogatory remarks off of my credit report from the time the bankruptcy was discharged XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
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 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section XXXX, and as of today never received a response. Which bring to question XXXX XXXX verification process. Information has been duplicated with same account number with different variations of Debtor company name.

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 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There was a debt that was owed through a apartment complex for XXXX dollars that XXXX had collected from me last year and showed it as a paid collection on my credit report. Now they have put another collection for the same amount on my credit report under a different account number. This has already been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with STERLING JEWELERS, INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Credit card) with Weinstein, Karp & Associates, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at Weinstein, Karp & Associates, INC on those XXXX conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about XXXX times per hour.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts were all in default with 120+ lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

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 09/20/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NJ).
Issue: Managing the loan or lease

Complaint: MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.

Company response to consumer: Closed
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I bank with WellsFargo and they constantly charge me NSF fees unlawfully. I had a debit post to my account on XX/XX/XXXX and then somehow I was charged a XXXX dollar monthly fee and then they charged me an NSF fee after the payment already posted. They constantly credit cash after they debit my account. The bank teller actually gave me XXXX dollars less when I made a withdraw at the bank the other day. This bank is just a bunch of thieves!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Mortgage) with McCalla Raymer Leibert Pierce, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an  ongoing family party with excessive alcohol use. My son was attending XXXX  XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.

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 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.

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. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017 please help me remove these inquiries from all CB please

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.

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 09/23/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX XXXX Wakefield & Associates located at XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX received written communication from me requesting that they validate debt that is being reporting on my credit reports. One of the debt is {$1200.00} and the other debt is {$950.00}. I asked the company to provide me with proof that I signed off on to validate that both debts are indeed my own. The company has failed to do so. Wakefield & Associates is collecting a debt from an unknown medical practice. This company has yet to provide me with the requested at nearly 30 days now. For all that I know, the original creditor could have sent over fake receipts etc. Again, this company has failed to validate the said debt they are attempting to collect.I do n't know who the original creditor is, what they are billing me for, nor proof of me physically signing off to agree to be billed

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