milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: {$3000.00} worth of CD 's purchased at Bank of America in 2005. We have the certificates and the receipt showing the transaction. BOA now says they ca n't redeem them because they purge their records, and this money must have been sent as Abandoned Property to the state of Florida. Contacted the fltreasurehunt.org, both online and by phone. They have nothing under either our son 's name or mine ( custodian, as son was a minor ). Called the FDIC, who instructed me to contact you. NOTE : When he turned XXXX, XXXX legally changed his name to XXXX XXXX XXXX. We searched the florida abandoned property under both names, as well as mine.

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 01/14/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America accepted mortgage payments from me, giving me a confirmation number for the payments, then, failing to apply them to my loan, they have attempted to return them to me. They are trying to foreclose on me, saying that I defaulted on my loan, when they have both failed to apply payments and failed to accept payments, erroneously claiming I had defaulted on my loan. They are now trying to foreclose on me by a " Summary Judgment Motion, '' suggesting their claim that I defaulted is irrefutable. I hope to refute ( and disprove ) every allegation, but can not find a specializing lawyer to take my case on short notice. ( My attorney has quit ALL mortgage law cases, and I am left stranded. ) For XXXX years Bank of America has treated me in an unethical and fraudulent manner. I do not know whether the judge will listen to/look at my arguments/evidence and proof that they have committed many violations and are falsely alleging many things to give the appearance that I missed or defaulted on loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (ID).
Issue: Problems when you are unable to pay

Complaint: Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. 
In XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. 
On XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. 
I am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. 
I feel I should NOT be responsible for something my Son created and, I had no knowledge of. 
I reaching out to CFPB because US Bank will still not let me have access to my money. 
I thank you in advance, and look forward to some assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I show XXXX inquires on my transnunion report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- 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 11/13/2017 about Payday loan, title loan, or personal loan (Title loan) with CREDIT ACCEPTANCE CORPORATION (AR).
Issue: Struggling to pay your loan

Complaint: I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (WY).
Issue: Trouble during payment process

Complaint: In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).

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 08-03-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Payments Check Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was an unauthorized charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: WHY DID XXXX REPORT {$75.00} TO TRANSUNION WITHOUT MAKING AN EFFORT TO CONTACT ME FIRST?

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 10/24/2016 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (KS).
Issue: Billing disputes

Complaint: I am writing to assert a formal Complaint against American Express and XXXX. I have spent hours attempting to obtain a refund from XXXX 's and American Express for a defective pet hair dryer. Clearly, XXXX 's practices violates the mandates of the CFPB, State law and federal law. Moreover, American Express refuses to eliminate this charge from my credit card balance and simply sends form letters with no value or substance, other than issuing a partial credit. Specifically, American Express has refused to honor their warranty provisions of their credit card Agreement in connection with my purchase of a XXXX XXXX XXXX. First, the XXXX XXXX XXXX was supposed to provide some level of warmth to the air it emits. In fact, according to ( the manufacturer 's ) marketing material on the XXXX, they represent : Great XXXX for small and large dogs XXXX speeds, XXXX temperatures 1. XXXX TEMPERATURES In the case of the subject XXXX, there were not XXXX temperatures. There was XXXX and it was room temperature, even after XXXX hour of operation, which was more than adequate for the unit 's motor to generate heat. Second, while safety of the pet is of paramount concern, it would be redundant for the XXXX to have " XXXX temperatures '' if XXXX of the temperatures was not, at some point in operation, warmer than the other. This representation was materially false. 

2. XXXX The XXXX was represented to be a " XXXX '' in the advertising materials, meaning that a " XXXX '' generates blown air and velocity and a " XXXX '' does just that .... it dries. However, since the subject XXXX was defective and would not warm to any level beyond room temperature, it would not function as a " XXXX, '' as represented. This was a material misrepresentation under UCC Section 2-315, the Uniform Consumer Credit Code and applicable State and Federal law. 

3. SIZE OF THE DOG AND SIZE OF THE XXXX In Groomer 's and XXXX XXXX XXXX 's marketing materials, the unit was supposed to be a " great XXXX for " small and large dogs. '' The dogs on whom the unit was used were small to medium sized, XXXX at XXXX pounds and XXXX at XXXX pounds. Neither have long hair. 
This unit would have been ineffective on the smallest of dogs. 
RETURN POLICY : XXXX 's has referenced a " return '' policy. This policy presupposes that they did not sell a defective product. XXXX 's Mall did sell a defective product and relying upon a self-serving return policy will not exonerate XXXX 's Mall or XXXX XXXX XXXX from violating federal or state law. 

It is my expectation that I receive a full and immediate credit on my American Express within 5 days of the date of this complaint. In addition, I recommend that the CFPB further investigate XXXX 's practices based upon their false advertising and illegal business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Closing on a mortgage

Complaint: Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief