milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Checking or savings account (CD (Certificate of Deposit)) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing back.

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 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of receiving medical care from this company. Please investigate. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX XXXX to close my credit card in XX/XX/2017. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to XXXX numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/2017. However, XXXX still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/2017. 

XXXX  also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and XXXX always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an XXXX XXXX card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from 2017. 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 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I had a number of identify theft issues in a 3 month span. Someone tried to file a tax return in my name, I received a credit card in the mail I did n't order and I received a letter saying my information may have been compromised. I was advised by the IRS to contact the XXXX credit reporting agencies and put alerts and holds on my accounts. I unwilling signed up for services with Transunion and was charged a monthly fee. The whole process was confusing and at no time was it apparent that I was signing up for paid services. I cancelled the subscription and was compt XXXX fee, but not all. To date the only money that I 've lost due to " identity theft '' has been to TransUnion for their dubious business practices and misleading information. 

Dealing with identity theft is confusing. TransUnion preys on that confusion to make money. I 'm sure their business practices are technically legal, but it 's an unethical and horrible model. I think that if people are being steered towards them for help they should not be able to set traps.

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 09/20/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CO).
Issue: Taking out the loan or lease

Complaint: Loans paid as agreed, lender phone calls and correspondence confirmed however no resolution or changes to my credit report or performed by the agency/financial institution for fair credit reporting timelines and or act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to complain about an reoccurring issue with Nationstar. In XXXX 2015 I paid my mortgage through the Nationstar payment system an deceived a confirmation. Later, I received notice that I had been reported 30-days late on my mortgage hen I had in fact paid it. Later after speaking with a Nationstar representative I was told that they had never received the payment and that there appeared to me a problem with my account. I have used this account on previous occasions without issue, but Nationstar stated that they had to research the issue, but after three months I have not received a response to my inquiry. Currently Nationstar is reporting my account as 30-days past due and it is severely impacting my credit. This is the second time this has happened with Nationstar within a year and I am eager to get this removed from my credit so that I can re-finance my mortgage through another lender. Any assistance the CFPB can provide me would be greatly appreciated. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with United Collection Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX. 

I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ). 

On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy. 

On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy. 

It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and Experian removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  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 non-monetary relief
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AMERICAN EXPRESS CALLED CELLS, WORK AND FAMILY MEMBERS ABROAD. WE HAVE GATERED ALL PHONE RECORDS, RECORDINGS ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have a big problem with chase bank I opened a college checking account with them and it 's been years since the problem has been fixed I 'm a victim of identity theft and my information was stolen and fraud happened to me there where checks and money taken off of my account and I reported everything and tried to resolve everything so my account could be fixed but was told that I had to just pay the money I disputed it and it was denied I just recently found out it was denied because they said I had my card when fraud happened which is not true it 's been so long so I ca n't file a police report and they wo n't pull up any cameras from where the money was taken off at to prove it was n't me and at the time there was a gas purchase I did n't even own a vechile at that time so how would I be the one who did the transactions I complained and spoke to a lot of people and honestly it 's been a waste of time I 'm in the process in filing a dispute with a outside consumer agency chase bank gave me the worst experience in a lifetime

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with U.S. BANCORP (WI).
Issue: Transaction issue

Complaint: I am writing to your agency in hopes you can help me to dispute some charges made on my   XXXX   XXXX    XXXX   XXXX . I got contacted by   XXXX   by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4000.00} was on my   XXXX   XXXX    XXXX   XXXX  card.  XXXX  promised me for services that were never rendered. I started with them on  XX/XX/2016    they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to  XXXX  paying these fraudulent companies and they ignored my calls after a while.

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 06/24/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Taking out the loan or lease

Complaint: Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 
1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. 
b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 
2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 
3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? 

Please let us know. 

Respectfully, XXXX and XXXX XXXX, XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (SC).
Issue: Problems when you are unable to pay

Complaint: When i was able to work again i paid it off and was told they would take off my credit report and was not

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wrote Experian a letter, and mailed it onXX/XX/XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted.
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation