milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with William D. Meeker Enterprises, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello : A company by the name o f CIC Credit  pulled my credit reports from all  XXXX  agencies (   XXXX  ,  XXXX  and  XXXX   )  on   XX/XX/XXXX     without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my  credit score  and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.  <P/> I am a subscriber to   XXXX   XXXX   XXXX   and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!  <P/> Company Info :  CIC Credit   XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: XXXX Bank charged me {$10.00} plus interest at 19 % for an overdraft of {$0.00}. 
I have been with this bank from the 1950 's when it was XXXX XXXX XXXX For most of that time I have had an overdraft LOC. I have not used it in years. When I last used it, I was much poorer than I am now and was NEVER charged a fee for using it. 
Now they have instituted the fee without any notification that I can recall. 
It is not a lot of money but I think this fee is uncalled for. I have requested a refund and so far have been denied. I have told them that I will be closing this account if the fee is not cancelled and refunded. 
I guess these days one can not contest the 19 % but it does seem to be very high. People of limited means can be seriously affected by this fee and the interest rate. 
Whatever happened to service?

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with GRANITE STATE MANAGEMENT & RESOURCES (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare

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 11/13/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Entered into subprime mortgage with Countrywide. Had a motorcycle accident. Immediately contacted HUD/FHA for mortgage relief while injured ( could not go to work, financial hardship ). Contacted by BofA regarding my requests. Sent to numerous mortgage counseling programs and representatives of different departments within BofA, all to no avail. BofA disregarded my qualified written requests as of why they were dual-tracking my mortgage and were deficient in providing me with mortgage foreclosure relief at the same time. In violation of RESPA, BofA never responded, but continued forward with their foreclosure actions by and through their attorneys XXXX XXXX XXXX in XXXX, Illinois.

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 05/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I worked for XXXX, XXXX, Fl XXXX through a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX in XXXX Ga XXXX says under the collection information that I owe the XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I received a loan through Santander consumer USA from carmax. I went one month with out having the car in my position from day of purchase. XXXX was unable to fix the to my satisfaction so I then informed Santander that it was a strong possibility that I would not be keeping the car so they moved the car note due date back to give them time. SANTANDER NEVER TOLD ME THAT THEY WOULD BE CHARGING ME HIGH INTEREST CHARGES DAILY!!!!! They informed me via phone that it was n't there job to tell me that!! They are faceing lawsuits in the millions every year because of there sneaky practices an I plan to follow suit

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Suttell, Hammer & White, P.S (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amounts filed on the attached vary from their {$11000.00} balance. I have been paying {$400.00} a month for 7 months and there is about a {$1000.00} discrepancy between their balance and mine. The interest rate is also higher than daily rate disclosed on the attached paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.

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 09-10-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DC).
Issue: Problems caused by my funds being low

Complaint: I have a basic checking account with M & T bank, I went to XXXX to pick up some things using my M & T debit card. My balance was XXXX dollars short unbeknownst to me at the time. Nonetheless, in stead of declining my transaction as it should have, it went through despite me explicitly refusing the overdraft feature for my account. I was then assessed {$38.00} for the overdraft fee and an additional {$38.00} for the account being deficient for 5 days. I 've noticed M & T does n't post monies to my account when making deposits on Friday prior to XXXX or XXXX. The entire weekend my deposits within these time frames sit idle and when Monday comes around they post outstanding items first as opposed to deposits to charge fees on accounts with pending deposits that have yet to post with outstanding check or debit card purchases. This has happened to me twice now. I 'm amending case # XXXX and requesting that all monies taken in the name of fees {$80.00} in this instance be returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with United Consumers Inc (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.

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 02-07-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Incorrect information on your report

Complaint: Have not been late on the account since XX/XX/2013 yet XXXX XXXX XXXX is still reporting late payments. Used a credit repair services, which did help in removing many false line items on my credit reports. However, unsuccessful in removing or changing derogatory items from 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 05-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened cash+ signature card with US BANK  .  They have {$100.00} member welcome bonus, I got confirmed with phone team that I will have this  XXXX  bonus but need wait up  to 3 month to get it . I wait that long, ask bonus again since I did not see that. And they said I have not got the bonus on my card yet they are not going to match it. Sent screenshot, tell banker, not be able to solve the problem.

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 08-02-2017 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: Account information incorrect

Complaint: In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.

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 04-08-2017 about Mortgage (Conventional fixed mortgage) with FIRSTBANK (CO).
Issue: Application, originator, mortgage broker

Complaint: On  XXXX   XXXX ,  2017 an em ploye e of First B ank sent an email to  my Home Owner 's Association 's board of director 's   email distribution list. He attached an unprotected .pdf file of paper work I had filed as part of the loan application including bank statements,  XXXX  and pay stubs. My full name, address, social security number, bank account numbers, user name and email address were published. This is a clear violation o f Public Disclosure of Private Facts   tort. First B ank 's response has been paltry. I had to find out on my own that I could register for 90 days of fraud protection from the  XXXX  credit bureaus. I have been offered one year of identity theft protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.

Company response to consumer: Closed with explanation