milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.

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 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: None of the above described my issue. I am filing a complaint on a company, XXXX, for a debt I owe from XX/XX/2011 I was evicted, therefore causing me problems in getting a place to live. I want to pay the debt and have this removed from my credit so I can finally get a home/apartment. I already filed a complaint with the Attorney General and my issue was not resolved. The company will not send me a letter via mail regarding settlement amount etc, also they had stated in the letter via email, which I am not sure is even legal, I had to pay the same day by XXXX XXXX via credit card only. I would like to pay my settlement amount via Cashier 's Check or Certified Money Order. This option was not given to me, nor were they able to meet my request for a letter stating specific terms. Every other company I have paid recent debts to has sent me every letter I have requested and has been very kind. Below you will see what I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with Experian Information Solutions Inc. (AP).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX XXXX I was at the attorney general office in a conference with XXXX XXXX and the agent for the attorney general said that they could not proceed until the motions of lawsuit against XXXX XXXX was over. 
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX, XXXX that I would not owe her a dime due to me being dead to her both children. My attorney contacted the office of the attorney general and by state law they are not to harm my credit until the lawsuit is over with.

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 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  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 ,  XXXX     XXXX       XXXX   XXXX   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 explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been trying to get information about how much interest I have been charged over the life of my loans since my APR is adjustable. Navient has either been unwilling or unable to provide me with statements stating what the APR has been for each year since the loan origination dates and how much money in interest I have been charged each year on my loans. I first asked them via their online email inbox which is associated with my account on XXXX XXXX, XXXX and have re-requested this information an additional 3 times and they have completely ignored my requests for information on my account. Each time I re-request the information I get an auto-reply email back stating they will have someone " respond shortly '' to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Despite several requests to Bank of America, in addition to the credit reporting agencies of XXXX, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. Bank of America account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX   XXXX   has not recognized the charges I filed as fraud yet. I sent them a list of charges circled in my statements and they are saying they deny the fraud claim. THeir reason does not prove anything. They say reasons that are not even true. I need to re open this dispute and have my fraud charges credited back to my account NOW.      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 12/24/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I was rushed into the car by a dealer and financed by this company I was told after talking to at least five XXXX people offshore that I paid over 26k in interest but they dont refinance they compound daily on the amount owed or proposed owed. 

I was then sent to the re write department and was talked to 5 people said they were American and citizens I said that I paid so much for this car I wanted a break and reduce my payment He said we dont do that, YOU XXXX XXXX XXXX XXXX GO SURRENDER YOUR XXXX WHEELS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX REWRITE DEPT AT ALLY XX/XX/XXXX XXXX EST I since paid off the loan with help from another bank, and they still wont credit the account and on-top of it all I over paid the payoff by XXXX and I want that sent to my checking they refused and as of today they still show I owe {$10000.00}, I PAID XX/XX/XXXX XXXX signed by Delivered : XX/XX/XXXX XXXX XXXX  Signed for By : XXXX Department number : Consumer Lending Signed for by : XXXX Delivery location : XXXX , KY

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 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For almost a year XXXX has refused to correct their error. 
There error has resulted in damage to my credit with XXXX Full documents attached. 
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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX student loans through Navient. I was on a income based repayment plan, then my payments more than doubled and its still not covering all of the interest. I went from paying {$130.00} to {$340.00} in a month, it happened automatically, and I 'm still not able to get my principal balance down.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I, like 143 million other Americans, found out today that my personal data, including name, DOB, address, SSN, etc. were compromised in the Equifax security breach. It is unacceptable that the company is offering only one year of credit monitoring as recompense for this mistake. This information can be sold and is just as valuable fifty years from now as it is tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Senex Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have informed all reporting agencies that I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (KS).
Issue: Managing the loan or lease

Complaint: The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.

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 07/15/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Fraud or scam

Complaint: On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday XXXX and I ended up sending {$50.00} to her by Western Union on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by XXXX and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees ) Even though the money was sent to XXXX XXXX, the person receiving the money is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to Trans Union, XXXX and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX 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