milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Payday loan, title loan, or personal loan (Payday loan) with WLCC (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I owed {$590.00} was not behind in payments and they charged me {$88.00} in fees on top of the XXXX. So I ended up paying XXXX. 

Why am I paying XXXX in fees and the next payment was not due until XX/XX/18. 

I would never borrow or recommend this company with all the hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal identifying information may have been mishandled by Equifax during the Equifax leaks of XXXX to XXXX of 2017. Upon submitting an inquiry through their official website, Equifax was unable to deny mishandling my personal information or credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. 
This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage incessantly calls me, before I 'm late on a payment. I have a grace period of 17 days, but they start calling and emailing on XX/XX/XXXX. I sometimes get calls 10-12 times a day. I always pay my mortgage and am not behind. This has to stop. It 's affecting my job.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (SC).
Issue: Incorrect information on your report

Complaint: While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx {$2500.00}. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened.

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 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect reporting of my status by Experian The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Experian needs to correct my account status as Mortgage included in Bankruptcy.

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 11/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing is miscalculating payments in order to increase its profits at the great detriment of the borrower. By way of example, note that a payment made on my account on XX/XX/XXXX, was assessed {$46.00} in interest - in other words, per diem interest for Saturday, Sunday, and Monday. That payment was correctly processed. I subsequently made payments on Tuesday, Wednesday, Thursday, and Friday of that week such that no interest would carry over into the weekend. Accordingly, one would expect that an identical payment made on Monday, XX/XX/XXXX, would result in, at a minimum, the same interest payment, or more likely a smaller interest charge - not with FedLoan Servicing. They improperly assessed an interest charge of {$46.00} without explanation, notice, or legal authority. Upon information and belief, they have been cheating borrowers in this and similar manners for years. All inquiries for explanation have been ignored. Please investigate. 

/s/ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (MI).
Issue: Problems when you are unable to pay

Complaint: Honda Financial has not lived up to their promises. They promised me in XXXX 2015 to change the due date to XX/XX/XXXX and they still have n't done this. There have been issues with Honda and electronic glitches causing harm to me and my credit. XXXX threatened me and said that I need to start cleaning my car because it 's going to get repossessed tomorrow. Honda gave me my account number over the phone and my Mom made the last payment. It has been two weeks and the payment has not been credited yet. I should n't be in repo status and XXXX had no right to harass me. When I requested to speak with a supervisor, she did n't let me until after four times. XXXX was professional. Please help because I should n't be threatened and she 's on tape. The other representatives are kind, however, XXXX made me scared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Federal student loan servicing) with Forster & Garbus LLP (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX at XXXX XXXX, I made a deposit of {$1600.00} through my phone. The deposit was a payroll check that I had previously deposited into the same account, the same way for the past 2 years, without any problems. The check is from XXXX, from a local city of XXXX, Ca. 
Previous checks from the same account, around the same amount had been deposited XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - no issues no holds. 
For some unknown reason, I was advised today XXXX/XXXX/XXXX that a hold was placed on this check. That meant all of my scheduled bill payments were not sent out yesterday as scheduled, they were reversed today and I was charged several {$35.00} NSF fees. 
These payroll checks have never had a hold placed on them in the past, nor have any of them been returned to my account in any adverse way. 
It is unfair and unreasonable to place a hold on this check " just because '' Bank of America decided to. Now I am in jeopardy of being late on several bills that I attempted to pay and am paying unjustified NSF fees. 
I called customer service and was advised they did not know why the hold was placed. 
The bank can not simply make up their policies and procedures as they feel necessary.

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 06-07-2016 about Debt collection (Medical) with Credit & Collection Recovery Services, Inc. (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A debt collection company Known as Credit & Collection Recovery Services, INC. also known as CCRS called me and was very rude and harassed me. The lady said her name was XXXX a case manager. They said I have XXXX accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, there is a 2012 Chapter XXXX Bankruptcy filing with docket number XXXX that was added on my score that I have been disputing for over 6 months to get this filing withdrawn. 

I have talked with with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. 

I called and spoke with a manager and asked from TransUnion on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had XXXX representatives tell me that the dispute is sent as a message to the courthouse XXXX. Once the court verifies it, the information is transmitted back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they instructed me that they do n't release any information via the credit bureaus. 

I decided to call TransUnion back to speak with another manager, but this time they advised that the information is given by the contractor who contacts the court house. 

I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor report to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

TransUnion refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per 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 01-05-2018 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the number XXXX XXXX XXXX XXXX calls everyday at XXXX XXXX does not leave a message. 

I believe the call is from Paypal. I do now now have I ever had a Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All student loans were discharged by Veterans XXXX XXXX  discharge XXXX 2015. Navient refuses to remove debt and late reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My wife applied for a credit card with Chase and was denied. When we received the denial letter, Chase had denied HER application based on my credit. My wife used her social security number, date of birth and income information. None of my information was included on the application for the credit card, only my wife 's info. When we received the denial letter, it stated the card was denied due to MY credit, when none of my information was on the application, and Chase did not have permissible purpose to pull my credit. I am concerned this unwarranted credit inquiry will negatively impact my credit score. The Chase reference number on the denial letter is XXXX sent onXX/XX/XXXX. The application was made by my wife onXX/XX/XXXX. The card was denied due to a bankruptcy that is on MY credit only. My wife did not file for the bankruptcy that is reported on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with N.A.R., Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I demand t o see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   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 explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 a inaccurate account in collections on my transunion credit file and an ( XXXX XXXX ) unauthorized inquiry I contacted them about with no success in removal. These same items were successfully removed from my other credit files. I desired for the collection to be investigated along with the inquiry.

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 01-08-2018 about Vehicle loan or lease (Loan) with Automobile Acceptance Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Southwest Credit Systems, L.P. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint against southwest credit systems LP

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with Colony Brands, Inc. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.

Company response to consumer: Untimely response