milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease

Complaint: Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was in forclosure. Our account has been caught up and in good standing since XX/XX/2016. We are continually getting approached outside our house from companies wanting to help with our foreclosure. Also, today someone put a sticker on our front door stating that this property is scheduled for final disposition. I have made several phone calls to our mortgage company to make sure we were in good standing and today is the first time someone offered to add a privacy code on our account so no 3rd party companies can access it. Unfortunately, it will not go in to effect for 30 days. I do not want my kids being approached outside my house! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently was reported to credit agencies for an erroneous medical charge that was six years old. I disputed the charge to no avail. 
In XXXX of 2011, I was observed in the Emergency Room of XXXX XXXX in XXXX XXXX, FL. A XXXX was done at that time to establish a diagnosis. The next day I was admitted to the hospital for XXXX. The problem came when the hospital billed my insurance for this test as an " inpatient '' instead of the emergency room. I fought with XXXX XXXX for months and believed the correct code was finally submitted to insurance. 
Six years and seven months later, I find I was reported to all XXXX agencies as delinquent. My FICO score went from an XXXX down to a XXXX. Prior to this claim, I did not have even XXXX late payment. I am almost XXXX XXXX XXXX and have always taken pride in my excellent credit. 
I feel I am being abused by Central Financial Control, the collection agency that apparently purchased my claim from XXXX XXXX for {$1500.00}. This was a billing error made by XXXX XXXX that I tried to correct. I am now being reported as a " delinquent risk '' because of the hospitals mistake. This is unfair to me as a consumer. 
If there is any help you can provide, I will gratefully appreciate it. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim.

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 11-12-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. 

Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. 

Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with BB&T CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The hold was placed on my checking acct on X/XX/17. My fiance had his corporation who handles military unused medical and part of his bonus. He made 2 deposits of {$6700.00} and 1 deposit of {$7700.00}.
My paycheck was deposited on Friday which was {$190.00}. And this past Friday it was {$310.00}. There is going to, be 2 more direct deposits ... .my paycheck on Friday and sad on the 3rd.
Its .my understanding that the investigator have 9. Days to complete their investigation. As soon as my fiance comes here, he will be added to the account. Bank of America placed a - {$880000.00} on both checking and savings. But have credited the 2 direct deposits and the 3 transfer but the female investigator who is doing this investigation will not get on the phone The 2 corporations that did the transfers have tried calling BOA to confirm they did indeed do the deposits.
I need to feed my child, get my medications., pay my bills and start my life in Arizona . I can be reached at XXXX or XXXXXXXXXXXX Thank you, 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 monetary relief
Consumer complaint received 06/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SUNTRUST BANKS, INC. (GA).
Issue: Trouble during payment process

Complaint: Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. <P/>With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. <P/>They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? <P/>Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.

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 04-01-2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I do n't what come from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is terrible. They offered no help, no advice, no point in the right direction for when I first graduated. The same applied for when I lost my job last year. All they told me I could do was forbearance. They offered no alternatives or help. Worse service than the DMV. So that should tell you something.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Bank of America credited it back to my account. However, the company sent them a copy of the receipt and Bank of America charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Private student loan) with Cognition Lending Corporation (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have private student loan with XXXX XXXX XXXX XXXX. As of last XX/XX/XXXX it was with XXXX a collection agency. I was paying on it every month. I Called XXXX to continue my scheduled payments and they said XXXX had taken it back. I have not heard from XXXX. I have called XXXX they couldn't find my account, they sent me to XXXX XXXX XXXX, they couldn't find my account. Next they sent me Recovery Specialist Cognition Lending. This company could not find my account.So inXX/XX/XXXX I received 2 tax forms, a XXXX  with the Interest on my loan and a XXXX, Cancellation of Dept. Well there is still a balance of XXXX  on the loan. This is not a good thing. I am still responsible for this dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have already submitted complaints with  XXXX , Experian, and   XXXX    regarding this issue.     All three credit bureaus list a Chapter  XXXX  bankruptcy that belongs to someone else named  XXXX   XXXX  who currently resides in  XXXX , GA. If you go to ' XXXX  ' and search for '  XXXX    XXXX   XXXX   XXXX  the state of Georgia,  you  will find who I am talking about.     I am not that individual. I am sick and tired of the credit bureaus coming back with 'this information is accurate. ' Courthouses, as I am told, do NOT furnish information to credit bureaus OR public record companies (  XXXX ,  XXXX ,   XXXX   ), so I have no idea how or why these bureaus have been citing that my social security number is attached to these reports, when upon requesting the reports myself, I see NO evidence of any Chapter  XXXX  bankruptcy.     You  may  have me mistaken for someone else. I briefly worked for a company that was headquartered in  XXXX , GA. However, it was a telecommute from an ad I found on  XXXX . The company may have listed me as a GA resident even though I never had any physical residence there. I have worked for many companies being in the videography business, but never again across state lines as a salaried employee. The risk is too great.     And so now you face a choice. Either delete this bankruptcy from MY record and assign it to the CORRECT individual, or I will be forced to pursue further legal action against you in violation of the FCRA. You have no right to report inaccurate information and then legally stand behind this false information claiming that this person is me when I KNOW FOR FACT that it is NOT. I have already hired attorneys to look into this issue, but it would be a lot quicker and a lot less painful if you were to delete this bankruptcy yourselves.     I now consider this matter closed. Any further communication between the credit bureaus and myself will have to take place in court.

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 04/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Billing disputes

Complaint: I owed {$260.00} to BankAmericard. BankAmericard sent my bank a payment draft in the amount of {$2900.00} which I did not authorize. I had my bank stop the payment. I contacted BankAmericard who verified this was a fraud from a overseas call. They removed the {$2900.00} from my card. The card was then cancelled and a new card issued. BankAmericard then charged me {$25.00} returned check fee, plus {$2900.00} for the returned check and interest ( to date ) of {$43.00} on this same cancelled account. BankAmericard refuses to remove the amount. They refuse to speak to me on the account saying I have to travel to the nearest card center which is over  XXXX  miles away. They refuse to respond to my letters about this matter. It is now affecting my credit rating.

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 08/16/2017 about Student loan (Private student loan) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Re : AES SERVICER FOR MY LOANS WITH XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have mailed and faxed to Cancel Autopay for All Loans with Loan and Graduate Services. I am resending a letter from XXXX XXXX as as my checking account is still being auto debited after cancellation request. The letter was sent in the same envelope with my request for a settlement/different repayment terms which I received a reply on. The request to cancel auto debit seems to have been ignored since it has continued. Of note, I sent a request to cancel auto-debit over 6 months ago, but only my XXXX/XXXX XXXX  stopped debiting. Therefore, this is my 3rd request to properly cancel auto-debits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have XXXX student loans with Naviet ( previously XXXX XXXX XXXX. I called to see if I could obtain a two month forbearance due to difficulities in making my payments because my husband is working less hours for the next two months. I did not qualify for a deference. Navient refused to allow a forebearance unless I paid a {$150.00} forbearance fee. Therefore, I am unable to forebear my loans for two months because I would have to pay a {$150.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.

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 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation