milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: First off, I would like to state that I am a XXXX XXXX who is currently unemployed due to a layoff. On Friday, XXXX XXXX, 2017 ; to my knowledge, my account was at a XXXX balance. I made a conscious decision to overdraft my account to pay for parking ( D.C. Parking mainly accepts card transactions ) in order to attend my volunteer position. After I completed my duties, I decided to submit {$5.00} to pay for my parking in order to avoid any overdraft fees. At this moment, I realized that there were some fraudulent activities on my account which caused my account to go into a negative balance which also included SunTrust overdraft fees. Immediately after, I called the bank to inform them of this activity and notified them that I made a transaction prior to knowing what was taking place with my account. The bank then informed me that they would look into the fraudulent charges and assured me that I would not get any additional overdraft fees for my parking charge. After about 5 business days had passed ( the estimated time told to fix the fraudulent activity ), I called for a follow up. The bank then told me that I was misinformed and that I am liable to pay the fees. Thus, I complained again. SunTrust told me, since I was misinformed they needed to have their research team clarify the recording in order to lift their fees off of my account. As a result, the banks research findings found me liable and now, I have to pay {$5.00} plus {$72.00} in overdraft fees. I do not have a job, I am currently looking for one. I live off of financial aid to carry me throughout my academic career. I am a hard worker, an XXXX XXXX XXXX Please help me. I do n't think its fair that I must paying {$77.00} for a parking spot when I am actually devoting what little time and resources that I have to the 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 03/13/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage will not remove our PMI even though our LTV is below the 78 % required amount. We call and call, we get hung up on when supposedly being transferred. We do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Billing disputes

Complaint: I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Billing disputes

Complaint: I closed a Bank of America credit card XX/XX/XXXX and XXXX " pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!

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 04/26/2016 about Mortgage (VA mortgage) with BROKER SOLUTIONS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: Ordered VA appraisal for purchase of a home and veteran loan. Have not paid appraiser. Will not communicate with appraiser. Per VA XXXX XXXX. XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Other financial service (Debt settlement) with NICHOLAS FINANCIAL INC. (OH).
Issue: Excessive fees

Complaint: Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Enova International, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Student loan (Federal student loan servicing) with MOHELA (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Recently a person has been repeatedly calling my previous employer asking for any information pertaining to me. They explain that they have a legal document to deliver and that they have called all my other previous employers and that they need to deliver the legal document and they need them to provide any information they have about me. They have called daily. Next they called my mother and left a detailed voicemail referencing my previous address and a filing document number and they threaten to proceed legal action if the call is not returned. They have started to call from a private number as well. I finally was able to get a hold of someone. The company claims to be XXXX and XXXX their organizer. She is attempting to settle on behalf of Nissan Aceeptance Corporation,

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letters to the three credit agencies ( XXXX, Experian, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my 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 non-monetary relief
Consumer complaint received 01/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was suddenly XXXX in the summer of XXXX resulting in the sudden loss of my home where my bills for my student loans were sent. As soon as I was able to contact family I was able to get my loan back to current and have not missed a payment since. This negative hit from being unable to pay is currently the only missed payment on my credit report and is greatly effecting my score and therefor my ability to get a decent rate on a mortgage. The missed payment is detailed as XXXX XXXX through Navient

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXXThis loan was paid off. Reinvestigate and erase please.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XX/XX/2012, my mortgage was with XXXX XXXX XXXX and they sent a letter stating I neededto raise my flood insurance coverage. This caused a hardship and I found out from a mortgage company that because of the wording in my mortgage they could not raise this coverage. They would not listen to me when I spoke with them so in XXXX XX/XX/2012 I opened a claim with the CFPB - case # XXXX. With your help the issue was resolved and it was determined I did not need to raise my flood coverage. XXXX sold the servicing of my loan to Nationstar Mortgage. I have received another letter almost identical to the XXXX from my XXXX claim stating I need to raise my flood coverage. I have documentation to provide and am asking for you to once again review their request to determine its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Problems when you are unable to pay

Complaint: We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my background check to a job i just applied for ... Its stating on there that I am ineligible on the STATEWIDE Criminal XXXX, XXXX, XXXX XXXX : TEXAS DEPARTMENT OF PUBLIC SAFTEYLOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' THIS IS NOT ME I HAVE NEVER LIVED IN XXXX, OR HAD A XXXX ECSPECIALLY XXXX OR MORE, I HAVE NEVER BEEN CONVICTED AND I WAS LIVING IN XXXX AT THE TIME IN XXXX RUNNING THE XXXX AT XXXX XXXX IN XXXX XXXX I DID NOT LEAVE THERE AND COME TO XXXX UNTIL XXXX OR AFTER WHEN THE XXXX HIT.. I DO NOT HAVE A MIDDLE NAME ... AND NEVER HEARD OF A XXXX. I NEED THIS REMOVED DUE TO THE POINT IT IS CAUSING ME NOT TO GET HIRED. I NEVER GO TO XXXX, MAYBE XXXX BUT NOT XXXX. 

WHAT PICTURE IS ON FILE FOR THIS CONVICTION? 
WHO IS XXXX? 
HOW CAN I REMOVE THIS? 

PLEASE HELP WITH THIS MATTERCASE # XXXX XXXX XXXXXXXX XXXX : XXXX : XXXX : XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

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 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an item on all XXXX credit bureau reports from a company called XXXX listed as XXXX. I have reached out to this company and they are telling me that it belongs to a XXXX XXXX but the credit bureaus are still saying that they have verified this and It meets the FCRA requirements. This is nothing more than a fraudulent attempt for them to not do their job. It does not meet requirements under section 609 of the FCRA as they have not been able to provide validated proof an original signed contract. No matter how much I tell them to remove it from my credit repor they will not do it. They are violating the law. This needs to be taken off my credit report immediately. If you are going to make a law then hold them accountable to obey the law or the law is useless.

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