milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per the FCRA.

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 Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Application, originator, mortgage broker

Complaint: I have been served with foreclosure papers from Nationstar Morgage. I am currently working with a Foreclosure Prevention Program Manager. See the contact info below. 
XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. XXXX XXXX is my representative. With XXXX XXXX working on keeping me and my family in our home, we have been asked 4 TIMES to submit the SAME PAPERWORK. Nationstar requests a whole bunch of documents. I comply and send EVERYTHING requested. Nationstar simply sends me a denial notice and when XXXX XXXX follows up with an inquiry as to why we were denied a modification, Nationstar simply repeats the request for the EXACT SAME DOCCUMENTS. I am very frustrated and really ready to tell them they can have the house. We are a middle class family struggling on XXXX XXXX to keep our modest home. I am extremely frustrated with the way the banks handle the entire procedure. Nationstar is a HORRIBLE COMPANY and does NOT work with homeowners who have had hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Received CC from Capital One in XXXX XXXX, with {$300.00} limit, charged {$340.00} by middle of XXXX. 
I made an earlier than required {$50.00} payment on XXXX XXXX, XXXX, from my XXXX XXXX account, from my actual funds on deposit from my Social Security ACH deposit, not from any funds of XXXX, bringing the balance down to {$290.00} by Statement of XXXX XXXX, XXXX. 
On XXXX XXXX XXXX, I was desirous of receiving funds from my Brother and my Sister-In Law, in California and inquired of XXXX as to how such a transfer might be accomplished, though I was informed that no such avenue existed if the sender of funds did not posses the same kind of XXXX card ( XXXX ) as opposed to any other type of XXXX card. Since my Sister-In law has XXXX XXXX Bank account ( s, ) not Capital One or a XXXX XXXX, I called Capital One to inquire as to how such a transfer could be accomplished and was informed by their CSR as to the process and the transfer time and dates of posting of the anticipated {$300.00} transfer. 
I emailed the CSR 's instructions to my sister-in-law XXXX/XXXX/XXXX at XXXX CDT : " CALL XXXX and give them my account number XXXX XXXX XXXX XXXX exp XXXX CVC XXXX stating that you wish to send {$300.00} ON A ONE TIME ONLY basis and then supply them your routing number and account number, none of which discloses to me. 

If you do this before XXXX XXXX, i am told, the transfer should be compete by tomorrow morning. 

Call me back if any questions. '' Thereby a {$300.00} payment was applied to my account on XXXX XXXX, XXXX, which cleared on XXXX XXXX, XXXX, bringing my balance to - {$0.00}. Upon clearance of payment Capital One decided to put a ten day hold on the payment, rendering my available credit as XXXX, for some unexplained reason, except that such payment, made by a blood by marriage relative, the wife of my older brother, who is a well known XXXX XXXX in XXXX California, and who is also, as I, an XXXX XXXX, was considered as sufficiently suspicious to require such a hold which would literally close my access to well deserved credit, and absorb the entirety of an amount of money needed for various purposes at the beginning of the month and denigrating my Credit Score,  which is partially determined by existing AVAILABLE CREDIT, while Capital One states that such available is presently XXXX when the account is fully paid and the original credit line should have been restored upon such fully satisfactory payment, made according to instructions provided by Capital One. " What 's In your wallet? ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is incorrect. There is an added name that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: The disputed {$840.00} ( Dispute ID : XXXX ) AT & T*Bill Payment charge that was billed to your above-referenced account on XX/XX/2016. The dispute was initiated on XX/XX/2016 with a conditional credit issued to my account. CITI returned the charge to the merchant 's bank ( AT & T ) on XX/XX/2016 in an attempt to obtain a permanent credit on my behalf. The dispute was subsequently cancelled at my request on XX/XX/2016 and the conditional credit {$840.00} was reversed. CITI is telling these funds made available for the merchant/merchant 's bank. I checked with XXXX AT & T and they do not see it in their bank. They asked me to pay this amount and I paid with same credit card on XX/XX/2016. The reversal {$840.00} is mystery now. AT & T is telling that they do not see it in their bank. They do n't bother about this fund anymore since I paid them all due amounts. CITI is not helping me to find out this {$840.00} where it went. This amount is not going away from CITI account since the merchant never received this amount. I have a feeling that CITI stolen this {$840.00} and they are charging me for this and not paying to 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
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This past XX/XX/XXXX I had XXXX accounts from XXXX and they were removed from my credit report. As I was looking at my credit report I noticed that when the accounts were removed from all XXXX bureaus and my credit score was only updated from XXXX and XXXX not with TransUnion. When I contacted TransUnion on XX/XX/XXXX, to find out why my credit score had not been updated due to the changes in my credit report all they could tell me is that they do n't know? I know TransUnion has been in the news for doing for not reporting accurate information on people 's credit report and now I 'm going through this. Attached is a case I won and the lawyers submitted this to the credit bureaus but for some odd reason TransUnion fails to update my credit information in regards to that case. Could you please look into this and find out why have n't they updated my credit score do to the changes with the deletion of XXXX accounts from XXXX so my credit score should reflect the changes the other credit bureaus did not sure why TransUnion is giving consumers problems. All I want is my credit score with TransUnion to reflect the changes of the XXXX accounts being removed and they have n't.

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 11/29/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Managing the loan or lease

Complaint: I have informed the Company I am not allowed to receive " personal '' calls at work. The Company consistently call throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.

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 11-10-2016 about Debt collection (I do not know) with WALDEN ASSET MANAGEMENT LLC (Closed) (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/2016 Walden Associate Management contacted me at my sister 's telephone number. Stating I needed to contact her due to breach of contract with client. When I called I was transferred to a XXXX who claimed to be a lawyer and began to insult me ; stating that I was stupid for saying he would be in violation of debt practices, if he continued to call me at third party numbers and refusing to cease and desist contacting me. Then the first week of XXXX Walden Associates Management called my sister 's number again and left a message to call XXXX. I did not call them back. 
In researching the phone number, I came across several posts indicating they had been contacted by the same people and that this is a scam to get people to pay them.

Company response to consumer: Untimely response