milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX  XXXX XXXX and Citi Bank are instituting policies to restrict or refuse financial services to individuals or businesses involved with legal transactions relating to business loans or retail purchase of legal firearms and related items. These policies run counter to the US Constitution and current law. As a taxpayer who assisted in " bailing them out '' a few years ago and a current customer I find them choosing to " legislate '' and discriminate against my legal my rights problematic.

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 06-08-2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (OH).
Issue: Account opening, closing, or management

Complaint: Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.

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 01-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In 2007, I was a victim of identity theft. As a result, the IRS and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Equifax. After several years of disputing the debt with the XXXX, and with the help of the XXXX Advocacy group, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Equifax has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Equifax to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Equifax does n't want to do it. I finally called the XXXX Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Equifax to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a State Tax Lien, docket # XXXX, being reported on my credit report under the public records section. I have sent numerous letters disputing this lien to Equifax, providing proof of their violation of the FCRA. Their response is that it is being reported correctly via a 3rd party XXXX XXXX. This is a blatant violation of the FCRA 623 ( a ) ( 5 ). If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Being that the original creditor is the XXXX County circuit Court, and they DO NOT report ANY information to the Equifax Credit Bureau ( which i have a letter stating as such from the court ), they are in violation. Also, as of XXXX XXXX, 2017 credit bureaus were supposed to remove all public records that were judgements and Tax liens if they didnt correctly have all information such as 1. Date of Birth 2. SS # 3. Correct Address 4. Correct name This record shows no such information, nor does it have 3 of the 4 needed to stay on a report. I have provided a copy of the final letter i have sent to Equifax. In it, you will see detailed information and PROOF, that this public record needs to be removed. I remind Equifax, 3rd party verification, does not constitute proof that this is valid, it proves that you are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: Bank of America requires in order to get a mortgage through them that you must open a checking account through them as well. In their online mortgage payment portal, two times now I have selected to pay my mortgage payment through my usual ( non Bank of America ) checking account and the website is defaulted to attempting to pay through my Bank of America checking account which has only a nominal amount of money. This results in an overdraft fee and the need to call them to reverse the payment. The technical support for the mortgage payment site ( B of A technical support ) told me they have encountered this problem from other callers as well. I am concerned that they are not fixing this bug in the website because it generates money from the overdraft associated with the mistake.

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 03-08-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.

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 07-10-2017 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultants is currently reporting on a debt, in the amount of {$670.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX. XXXX XXXX XXXX does not own the debt. I have a contract with XXXX not Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Wrong amount charged or received

Complaint: XX/XX/XXXX I opened XXXX accounts in Bank of America ( Savings & Checking ) XX/XX/XXXX My father wired {$14000.00} to my account through XXXX XXXX Office XX/XX/XXXX I traveled to XXXX XX/XX/XXXX Signed in to my online banking app and checked the amounts ( See attachment B ) XX/XX/XXXX {$2000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$2500.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$6000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$3400.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX Received an email from BOA stating that my account balance is under {$25.00} ( See attachment B ) XX/XX/XXXX I transferred {$25.00} to my account ( My only transaction while in XXXX ) XX/XX/XXXX I got an email from BOA ( See attachment C ) but I could n't access my accounts online XX/XX/XXXX {$32.00} of {$14000.00} got into my account ( See attachment. A ) XX/XX/XXXX Back from XXXX, Contacted BOA, I was informed that my accounts have been closed. I could n't get any of the communications between BOA and me in written form XX/XX/XXXX I received XXXX cashier 's checks for my account balance ( See attachment D ), the bank had taken all the fees I owed on my accounts, including my credit card debt ( total credit limit= {$700.00} ). Taking all the fees into account ( I was denied from access to my banking records, so it was a rough estimate ), there was a large sum short. I called the bank asking about the missing amount, I was told that the bank has claimed {$6000.00} of it due to my " illegal activities ''. XXXX XXXX XXXX ( from Global Financial Crimes and Money Laundering Department, if I remember correctly ) refused to provide further information other than claiming that the source of the money was on some kind of list for money laundering and the person who wired the money could not have been my father. 

Since XX/XX/XXXX I have received notes from Bank of America ( See appendix E ), followed by phone calls from a debt-collecting agency, claiming that I owe {$1300.00} to the bank.

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 04/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After beginning to pay off my loan with XXXX/Navient, I had paid additional money to pay down the principle of the loan faster. This money was not correctly allocated and only pushed forward my payment due dates. By the time I had discovered this, I had accrued far more interest than was necessary. Additionally, when contacting XXXX/Navient to fix the way that this allocation was being made, it was made extremely difficult to have the money allocated in a way that would make the amount of interest I was paying lower. Navient consistently ignored my requests despite several calls to their service center asking for my extra money to be allocated to my highest interest loans and for the minimum to be paid on each of my others. When calling and complaining about this issue, I was told that I must have given incorrect instructions or that I had not provided the correct information for the payment to be processed correctly despite using the exact methods that I had been told to use in my previous conversations with customer service representatives. I believe that these were intentional efforts to force me to pay more interest on my loans and that XXXX/Navient are defrauding XXXX Americans who are simply trying to make good on paying for their education.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I want to file a complaint about XXXX XXXX XXXX XXXX and the XXXX regarding misleading information about the school/program/financial expectations and placement. I feel I was mislead about the whole program and now as a result I am financially in hardship with the expectation to repay a loan that has grown to almost $ 190K due to defaults/forbearance. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I was eagerly pushed into starting right away as I was assured that if I did n't the odds of me getting in were slim to none, then I was told the financial costs were far less than what they actually turned out to be ( which is unaffordable ), then on top of it all the school turned out to be unaccredited ( which they knew was going to be the case at the time of my enrollment, yet they continued to lead me to believe it was credited. NOW I am almost $ 200K in debt for a loan and a worthless degree. I have had to resort to taking a job outside of my training and have been left in financial hardship. Constantly struggling, robbing peter to pay paul. This burden has been so hard on me and my family. I have been on a rate reduction program with Navient for almost 7-8 years and can barely make those payments. My family struggles from month to month! I need help to get this loan forgiven. I pray you investigate the XXXX along with XXXX XXXX XXXX XXXX ( which is now closed as of XX/XX/XXXX ). I need someone to help me along with many of my fellow ex students from XXXX. There are hundreds and hundreds of us in the same boat! I do hope there is something that can be done, and very much look forward to hearing back from someone regarding this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company 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 07-12-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I financed a car through capitol one in 2011 for a 72 month term. Over the years I 've encounter many financial set backs ( divorce/ identity stolen etc ) that caused me to extend my lease terms to 77 months. My term is up in XXXX of this year but Capitol one is telling me I owe an additional XXXX after the term has expired, for negative activity over the years. I have requested a copy of my account activity which does n't explain this balance of XXXX. I seek legal counsel and was advised to file a complaint here.

Company response to consumer: Closed with explanation