milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with STATE FARM BANK, FSB (IL).
Issue: Deposits and withdrawals

Complaint: TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Delinquent account

Complaint: XX/XX/XXXX I divorced XXXX XXXX XXXX, she went on to open credit cards and loans in her name. One of the cards that she open was with US Bank, which she charged up to the sum of at least {$15000.00}. She failed to make payments to this institution and was turned over to their collections department. Since XXXX XXXX did n't make the payments they tried to get me to. I explained to them that we were no longer married and have n't been for several, the debt is not mine. I have sent them copies of my divorce papers and they still placed it on my credit report as a debt that I owe. I find this very unfair and would like it removed from my credit report. I ca n't get US Bank to do anything about this matter. I am hoping that you will be able to resolve this matter with me. It is the only bad mark on my credit report, it is hurting my chances of refinancing my home.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
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On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
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On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
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To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
<P/>
As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine

Company response to consumer: Closed
Consumer complaint received 11/25/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: XXXX, Experian and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.

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 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Settlement process and costs

Complaint: Erroneous fees being charged to my account of {$7000.00} on XXXX XXXX 2007. Claims made that the amount covers interest and fees associated with late payments form XXXX XXXX 2007 to XXXX XXXX 2007. This does not add up. 
Any late payments came from the misallocation of funds on their part and not mine. 
Often with HSBC my payments would not be applied to my mortgage and put in holding account. 
I should not have charged the amount in question. The amount is showing up as Deferred Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had the following hard inquires deleted from my transunion credit report and now they have been reinstated on my report, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, I am requesting that they be permanent removed.

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 10/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Transaction issue

Complaint: My credit score dropped, and I was denied credit, as a result, because American Express reported late payments and charges, incorrectly. They had continued to place monthly charges on a cancelled credit card. They have now acknowledged their error, and ttheir most recent submission to the credit agencies should reflect that my account has been current.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. 

We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with DriveTime (IN).
Issue: Taking out the loan or lease

Complaint: I financed a vehicle through DriveTime Automotive Group Inc. 
I made an initial down payment on a XXXX Ford Fusion. The payment amount was {$900.00}, and the bi-weekly payments were XXXX thereafter. For six months I made every payment on time and some even a day early. Some time in XXXX all of a sudden everything in my account was reversed and reapplied, and my statement now showed XXXX transactions per day where money was coming in and coming out. I have my bank records that do not mirror this activity. After that adjustment took place, I started to notice all of my payments were now going to 100 % interest and my Principal balance on my loan was not being affected. I have called and asked 5 times ( FIVE TIMES ) to have this reviewed. Each time a manager told me they would have it reviewed and someone would call me back. I have spoken with their collections manager who promised to escalate my call to payment research and PROMISED me a call back. I have heard nothing in over a week, and my next call in, the rep who took my call said there was no record of any conversation. My current payments are all still applying 100 % to interest ... My principal balance has not changed in about 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Mortgage) with Ditech Financial LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: countiue to report fraud accounts disputed with creditor back in XXXX thru XXXX from XXXX # XXXX {$4500.00} and Civil judgement XXXX {$4500.00} from XXXX XXXX # XXXX this was result of fraud neglected by XXXX to resolve and these needs to removed from credit file

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 01-02-2018 about Student loan (Private student loan) with Premier Student Loan Center (NY).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Payday loan () with PNC Bank N.A. (GA).
Issue: Applied for loan/did not receive money

Complaint: applied for loan with P N C financial, they required I pay for loan insurance after the loan was approved and prior to funds being deposited in my bank, after they recived my money they informed me I would need to make another payment to have my approved loan clear the bank, I said no, requested a refund of my so called insurance payment and was informed to make another payment to them and then they could get me a refund of my initial payment plus a payment to refund that payment, so they have XXXX XXXX dollars and tell me I need to pay more to get the refund of my money

Company response to consumer: Closed with explanation