milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a private student loan issued by Bank of America opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was student.bankofamerica.com. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Since XX/XX/17 I have been trying to get EQUIFAX to correct my credit report to no avail, all my credit info is missing, see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Other mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (PA).
Issue: Application, originator, mortgage broker

Complaint: Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (IN).
Issue: Deposits and withdrawals

Complaint: We had an ACH come in from XXXX into our Checking Account at Old National Bank for {$10000.00}. ACH funds are available immediately. Old National Bank has put a hold on these funds and refuses to release the wire proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: first it 's a used car. when i applied for the car loan, the price of the car was {$12000.00} and when i signed the papers the price became {$16000.00} for 72 months. after 1 payment they added another month and now i have 73 month. after 4 payments the amount is still the same. it 's like i 'm not paying nothing. i think they are trying to steal my money. i gave them a deposit of {$2500.00} and i dont know what they did with that money. please help me. my car loan is from santander consumer usa

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation ().
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with Mark A. Kirkorsky, PC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Garnished my bank account over my ex-husbands debt. Never properly notified me of this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I always make my payment online through my banks bill pay to my mortgage company Nationstar. On XXXX XXXX my bank XXXX XXXX sent a payment to Nationstar and it was rejected I did not know that. I received email form Nationstar that I was late and I called Nationstar to let them know my payment has already been sent to them my usual way by my bank and I see the debit in my account. I got XXXX XXXX on the phone XXXX way to confirm the payment. The customer service lady told me I should wait since it takes a couple of days for the payment to post. Yesterday XXXX XXXX, I noticed the credit in my account called XXXX XXXX and was told Nation Star has rejected the payment again XXXX times that was the reason for the credit and we went through verifying that my Nationstar account to be credited was correct. I called Nationstar and this time when I explained what XXXX XXXX said that Nationstar had rejected the payment twice, Nationstar proceeded to say the reason for the reject was because it has to be certified funds. I asked how certified does the funds has to be, cashiers check XXXX XXXX etc because I could not even make a payment on Nationstar website my account was blocked. I asked why was this not communicated to me earlier so I could have taken care of this sooner than now. I was told they send me mail. I said to them ever since my account was transferred to Nationstar all communications from us has been electronic why did they not send me such an important document the same way but chose to send it by paper mail. Bottom line is I have gone to XXXX XXXX today to make the payment I just do n't think I should be reported to the Bureaus as late when I made the effort to make a payment. If they had told me the XXXX time when I called that my payment was not going to be accepted that way because of the block on the account I could have taken care of the payment before it became late. I can not even refinance with Nationstar because of the late payment. 
If its XXXX intention for us to lose our home its not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Arbitration

Complaint: I am objecting in general to the forced arbitration clause in all my credit card contracts. I would like CFPB to prohibit such clauses in all financial contracts. I support XXXX XXXX in its opposition to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Taking out the loan or lease

Complaint: Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. 

My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. 

Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if possible.

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 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with DISCOVER BANK (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint.

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 04-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.

Company response to consumer: Closed with explanation