milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Bank of America that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports. 

They offer 1 free year, then want me to pay for THEIR mistake. They were negligent on their duty to keep my data, which is taken without my permission, secure. It would also be nice if CFPB would do their job and stop closing my actual complaints. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Syndicated Office Systems is currently reporting on a debt, in the amount of {$190.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to University XXXX XXXX. Syndicated Office Systems does not own the debt. I have a contract with University XXXX XXXX and not Syndicated Office Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/

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 04/19/2015 about Credit card () with CITIBANK, N.A. (RI).
Issue: Closing/Cancelling account

Complaint: Attempted to close Citi/XXXX XXXX account and was unable to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16, therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16, I received a call, from Chrysler Capital, stating my payment was 30 days late, much to my surprise. After being informed of this, I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital, on XXXX/XXXX/2016, along with XXXX other checks. The XXXX other checks had been processed through their bank, but the check for my pay-off had not. The dealership attempted to right the wrong, as much as they could, by calling Chrysler Capital, to no avail. The dealership did stop payment on the original check and sent another check, that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages, the " Office of the President '' has informed me that they have no choice, but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls, emails, or letters informing me that the payment was late, until it was going to affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Golden Key Credit Inc. has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17, amount {$870.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XX/XX/XXXX/XX/XX/XXXX A call was placed to Wells Fargo stating a reduction and inevitably a loss of job occurred, the associate took my information ask for a couple of documents that was submitted immediately and approved ( unemployment ) a memoriam forbearance agreement. I had to pay a reduced amount for XXXX months and at the completion of the forbearance I would be able to resume my regular monthly payments and the difference would go the the end of the loan. At the end of receiving my memoriam payments they stopped accepting payments. 

Wells Fargo then asked for additional documents as is they were going to do another modification although the agreement was to put the difference at the end of the loan. I supplied the information requested, that started years of additional documents requested almost every XXXX days. Forcing the home to go into Foreclosure status. 

I believe they are in violation of truth in lending practices as well as ethical procedures. Approving me of a In Memoriam and converting it to a modification. 

Since then I have requested numerous modifications ( although I should have been in Memoriam per agreement ) Ive also request the HAMP and HAMP XXXX programs and have not been successful to date. I believe Wells Fargo and its investors intentionally tried to block my payments and force a foreclosure procedure on my property. This home is not upside down like the rest of the homes and they have not tried to help " the homeowner '' since the " homeowner thru taxpayers have bailed XXXX out '' of the financial crises.

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 01/28/2018 about Debt collection (Credit card debt) with FORD MOTOR CREDIT CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1. XX/XX/XXXX days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), XXXX XXXX XXXX 2. XX/XX/XXXX days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. XX/XX/XXXX days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. XXXX days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX Card 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, Ford Motor Credit 7. XXXX XXXX  days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to giving birth around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX XXXX XXXX. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX Bank 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Hello, I am trying to trade in my XXXX XXXX XXXX which is sold at a high price and over market value by about XXXX. Capital one refinanced that loan and gave me a lower interest rate, but they forgot about the XXXX, XXXX was charged extra for a vehicle that is now being traded at the high of XXXX with a loan balance of XXXX. 

I was sent marketing that approved me for up to 35,000 per-approved for an expiration date of XX/XX/XXXX, and another one for the end of XX/XX/XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and still have not gotten an approval, because now they are saying it is out of the range. Capital One sent me a denial letter, and also XXXX XXXX is saying that they can not give me a loan on a used car because most dealers will not give a loan on a used car with the equity problems that are with this vehicle. 

The problem started with XXXX on XXXX XXXX across from XXXX XXXX when the vehicle I purchase was a XX/XX/XXXX loaded XXXX and I bout it for over 30,000. The vehicle was fraudulently sold at a price about value and now has me in a bad position for a trade in. I have al of the documentation if you need to see it. I have a warranty and it will expire unless Capital One does something to fix this problem. There are three players in this mess and they are XXXX  on XXXX XXXX, XXXX XXXX , and Capital One. 

I was approved for a loan and denied access after the fact from Capital One who sent me two letters saying that I was pr-approved which is misleading and fraudulent marketing. XXXX XXXX failed to figure out the problem and ran excessive credit inquiries which has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is the 6th attempt to contact XXXX, and my 3rd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that XXXX isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. 

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX/XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. On XX/XX/XXXX, you stated that you can not delete the information, and that the item had been sent for review on XX/XX/XXXX, and on XX/XX/XXXX it had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX/XXXX to report information under my name and social security number. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX/XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that this account be deleted from my credit report. By not providing me with a signed written contract, you and XXXX/XXXX are in direct violation of the FCRA. I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days.Thank you.

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 01/20/2017 about Prepaid card (Government benefit payment card) with Comerica (NY).
Issue: Fraud or scam

Complaint: Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I hav previously disputed with Experian about my identity theft and I do not seem to go anywhere with them because they continue to verify those accounts and keep them on my credit report. I am sick and tired of this. I want those items remove immediately or I will seek legal remedy. This is the last chance I am providing Experian for them to do good on this ID theft which is very detrimental to my credit report. This is affecting me personal since I am looking to get an insurance office but those items that appear on my credit report which are all ID theft are hurting my chances. Experian you need to act now or I will see you 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