milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Closing/Cancelling account

Complaint: I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.

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 05/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My son has several school loans under American Education Services. I have to help him make his payments each month. When I go onto their online payment system, I have been paying amounts in increment installments on all loans by using their payment system. I pay each installment by the end of the month. Every month, I have been getting harassing calls by this company who states that my payments are delinquent. There is XXXX payment that they have been carrying over for over 40 days stating that this payment has not been made. I spoke with the supervisor and he claimed that the payment went on another loan. How can you use their payment system and request that this payment be made to this loan and it gets applied under another loan? This is not the first time that this has happened. I feel that I have paid them double the amount on my loans. For example, I paid my loan installments, in full, on XXXX payment in the amount of {$600.00}. The following month, I received a call from AES and they stated that I had a delinquency of {$300.00}! This amount also included late fees. This has happened before and when I approached AES that I wanted a summary detail payment list, they would not provide me one. The supervisor looked into it and stated that my money was allocated to other loans rather than the ones that I had indicated. This has happened to my daughter 's student loan that she has with AES, so this method is practiced quite frequently. American Education Services is the ONLY lender that places harassing phone calls. Other loan companies will call and ask if you have made the payment, and if you tell them that you will be paying the following week, they accept that statement. I do know that there are some people that will not tell the truth, and when they are asked about when they will be submitting payments, they lie. However, for someone like myself, who considers myself as a good person, gets harassed to the point that I have to hang up the phone. This has got to stop, not only for myself, but for other students who are desperately trying to pay back a student loan under this very poor economy. Another question, why do n't they allow students to pay on a monthly installment that they can afford? AES requires that you have at least a $ XXXX job so you can handle their payments. This does n't necessarily happen with students who just get out of college. And with the economy now, it will take a long time before they get to that level of salary.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.

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 10-08-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Citibank in violation of my individual ( rights ) due process in banking and incorrect banking practices, unprofessional, and rude/discourteous client services.

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 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: all I am trying to find out now ( so I can decide what steps to take next ), is this,, In XXXX XXXX 2015. I paid off a Debt. IN FULL to XXXX XXXX, yet here on XXXX XXXX 2015 acct # XXXX is still showing as a debt we owe of {$4400.00} I have called them and they are saying they submitted the paid status to Experian, Experian says they did not, or are not reflecting the change in their records. My question is,, what do I do now,, I need to apply for a business loan and these agencies are ruining my chances of doing so as this debt RECOGNIZED as being paid will surely increase our FICO scores. please advise. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I put my home in a bankruptcy in XX/XX/XXXX. The bankruptcy was dismissed and the property was foreclosed on. It was sold to another lender who is reporting the property as being foreclosed on in late XX/XX/XXXX. It is affecting my ability to obtain credit and pursue the possibility of owning a home again. I have not been contacted by the new company that foreclosed. It is still also showing a past due balance of XXXX which is inaccurate if the property has been foreclosed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was a cosigner for my daughter apartment. The apt manager ( XXXX ) replace the carpet after my daughter move out, because of pet damage. the dept was sent to collection and placed on my credit report without ever contacting me for payment. They never gave me a chance to clear this dept before attacking my credit. I offered to pay this dept if the collection company ( Rent Recovery Solution ) would remove the negative comment that they placed on my credit report. Which they refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.

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 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I requested documentation from Nationstar Mortgage, on how much it would cost to pay-off the loan on my home. On XXXX/XXXX/2016, they sent me a document stating almost {$9000.00} and that I had until XXXX/XXXX/2016 to pay this amount in full. I paid the entire amount by wire transfer on XXXX/XXXX/2016. On XXXX/XXXX/2016 I called to verify that the payment was received and was told by the person who answered the phone that I would be charged an additional {$500.00}, because I missed the XXXX/XXXX/2016 cut-off. This was not stated in the initial letter and I feel like I 'm being ripped off by NationStar. The full pay-off has been received by Nationstar, plus they sent me a {$99.00} refund for overpayment. How do I get an overpayment refund and then get charged for missing a non-disclosed cut-off? This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Mortgage debt) with Quality Loan Service Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the second time in the last two years Quality Loan Service Corporation has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that Quality Loan Service Corporation did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to Quality Loan Service Corporation in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with Quality Loan Service Corporation to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and Quality Loan Service Corporation should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 05/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over the last XXXX years, I have tried to reach an agreement with Navient. I have requested settlements. XXXX times now, I have submitted all required documents and began a rehab program. The signed documents were not entered corrected or they stated that they were never received. I did resend the documents and the same error from Navient was repeated. I am not in agreement with the debt amounts and the interest accumulated. This service provider, Navient, has not made this an easy process.I have had multiple collection companies contact me with threats. They will not even validate the debt with me personally. I am not sure what to do at this point. I a very frustrated with the overall handling of the loan start to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Balance transfer

Complaint: I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have set up payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on this account. XXXX XXXX and pendricks capitol partners and now double dipping and wont talk or remove. then they they just sent me another one for empg that on is with XXXX XXXX XXXX here we go agian the one is XXXX years old. 
thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to  NCB  there is no contract.  XXXX  wrote this off and sold the debt. but  NCB  was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, 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 non-monetary relief
Consumer complaint received 03/21/2015 about Debt collection (Medical) with Man-Data Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I had initiated several disputes with Equifax on XX/XX/XXXX. The date the investigation was to be completed was XX/XX/XXXX. As of today, XX/XX/XXXX, the investigation is still pending and I have accounts still showing delinquent when, they dont belong to me or should have been paid by the third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,

Company response to consumer: Closed with monetary relief