milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Consumer Loan (Vehicle loan) with Nationwide Biweekly Administration, Inc. (NC).
Issue: Managing the loan or lease

Complaint: I have been using Nationwide Bi Weekly for 7 years.In that time they have helped me save money and time while servicing my mortgage and auto loans.My auto loan contract with NBA has been interrupted by XXXX XXXX of CFPB according to NBA. An example of how they have helped me is an auto loan that i obtained from XXXX XXXX, in which i had 5 years of monthly payments.Due to how NBA services my loan, it was paid off in XXXX months.Saving me interest and time on the loan.Consider using bi weekly payments on a 30 year fixed mortgage.Lots of money saved, lots of time saved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A certified letter was sent out and received by the company on  XXXX   XXXX  and  XXXX   XXXX .   The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before  XXXX .   They have violated the FDCPA and the FCRA of up to {$3000.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2.XXXX XXXXXXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3.  XXXX XXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXXXXXX XXXXXXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Dear CFPB, This is my second time submitting this information. After about XXXX months of dealing with ID theft I had requested removal of the fraud alert on the Experian file and enclosed all the required documents, which Experian indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they placed and additional 90 day alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my report

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 11-06-2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (DC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to get my free annual credit report from Experian and basically to do it, I would have to get charged XXXX dollar and get forced into a trial period for a service I do not want. I also looked at XXXX and XXXX XXXX and found the same thing. I am concerned about identity theft, as I had recent unauthorized activity on one of my credit cards, but I have to pay and be forced into a trial of a product or service I do not want to be able to check my credit, even for the first time in a year. I find that not only deceptive and unfair, but bordering upon abuse of the public to force them to buy services or products in order to get a service that is supposed to be free once a year. When I told Experian I wanted a free credit report, they referred me to yet another site that is neither of the XXXX bureaus.

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 09/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I purchased a " lifetime subscription '' to XXXX XXXX XXXX XXXX XXXX ( XXXX company ). The transaction ( lump sum of {$15000.00} ) was made thru my XXXX Credit Card held in my Bank of America Bank account. The funds were paid out from cash held in my account around XXXX XXXX. By XXXX XXXX, I decided that I had made a huge mistake. I did not use any of XXXX XXXX services at any time. I notified the bank right away and asked them to cancel the purchase. They informed me of their policy which included that I could try to cancel the purchase but the seller had the right to present evidence of information which would allow them to keep the funds and force the sale. They were given 60 days to make their case. The process continued for the full allowed time. Near the end of that period the funds were nominally moved back to my account list with Bank of America and I had the mistaken belief that the long painful battle was over. I could not have been more wrong. I learned from XXXX of the many bank employees that the resolution had been made in favor of the sellers and I should have been sent a copy of it. Days later, I got a copy of it by mail. 
A few days ago, I received even worse news!! Even though I have already lost the XXXX XXXX dollars to the seller, the bank has structured things in such a manner that I will be forced to pay twice!! The bank claims that the {$15000.00} they passed on to XXXX is beyond their reach and there is nothing they can do about it. They claim I owe the bank {$15000.00} and they are more than comfortable to make me pay twice. The bank notified me that next month they will start charging me monthly interest and principal payments to repay the funds to the new phantom " XXXX '' " income fund '' sitting on my bank account screen and I am only allowed to " look but not touch '. Go figure!! I am XXXX XXXX XXXX with XXXX XXXX. This horrible ordeal has produced a tremendous amount of stress.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.

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 01/15/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: They wo n't let me access my money through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Payday loan) with Fitzgerald Goldman & Associates, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Threatening calls at Work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever

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 04-06-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had the attached federal tax lien # XXXX in the amount of {$7700.00} WITHDRAWN by the IRS after it was released. I have submitted several requests to Equifax asking that the lien be DELETED from my credit report but Equifax has repeatedly refused to delete the lien, the most recent request being the one denied and referenced # XXXX dated XXXX XXXX, 2015. Equifax continues to report the lien as RELEASED and refuses to DELETE the lien from my credit report, in violation of the FCRA. 

Both XXXX and XXXX have DELETED the lien from my credit report ( see attached public records portion of my credit report ). 

Please have Equifax DELETE the WITHDRAWN federal tax lien # XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (SC).
Issue: Fraud or scam

Complaint: I purchase a number of reloadit cards from a XXXX and XXXX stores .I added funds to the cards and opened a safe online as the reloadit company told me to do .I loaded the packs to the safe total XXXX $ well reloadit block the safe saying it was illegal use and ask me to send copy 's of receipts of the last three packs that were load to the safe, with proof of I.D I sent the last four receipts, and proof of I.D, The company said to me my case is under review and some one from a risk department will get in contact with me .well it has been almost two months and no department has attempt to call me concerning my funds in the safe. I call every week they want allow me to talk with this so call risk department. ..saying the risk department will contact me nor will they tell me the amount in my safe ....

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed 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 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Quality Recovery Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We lived in apartments in 2013. I was 7 months pregnant and our ac was broken. We called maintenance everyday. they kept telling us it was fixed and it never was. We told them we were going to call code on them. They told us we could move out and not to call code and they would give us something in writing and never did. We moved out and they did n't put it on our credit report for 2 months. We found out that the apartments were sold 2 months after we moved out. We have contacted the current owners and they say they have nothing on us. They told us they may have sold the debt to Quality Recovery Services. We were never notified that this was being placed as a debt. They only reason I found out is because I checked my credit report. Also I have disputed this on XXXX and I sent them a paper requesting documentation of who the managers were, who they maintenance workers were, who owned the complex, ect. I have not received any documents from them telling who they were. They have now put this on our credit report XXXX times. XXXX for the XXXX of XXXX and XXXX for the Quality Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

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 09-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. 
On the same day I received a refund. Again the deposit showed up but nothing in my balance. I do n't have access to the money. ( Filing a separate report ) PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from on US location to another. However, ALL the customer contact is overseas which makes me think this might be International

Company response to consumer: Closed with non-monetary relief