milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I wrote to Trans Union XXXX 2016 ; to remove XXXX ( XXXX ) adverse accounts from my report. I received an update today. Estimated removal for : 1. ) XXXX XXXX Account # : XXXX is : XXXX ; this account should be removed this month ; XXXX XXXX, 2016 ; the 7 years is now. I do n't understand how or why they can continue to keep this on my report. 

Also for 2. ) DSNB/Macys Account # : XXXX ; estimated removal is : XXXX ; this is not correct ; the 7 years is now ; XXXX XXXX, 2016. I do n't understand how or why they can continue to keep this on my report. 

Both XXXX and XXXX removed these account on the anniversary dates. Please help me remove.

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 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Advertising and marketing

Complaint: Capital One continues to send me credit card offers in spite of my opt out recorded within the XXXX credit bureaus for all marketing offers. I repeatedly called their office to rectify and to this day, still receiving their marketing offers. I have never conducted business with them or its affiliates and presently have fraud alerts on my credit bureaus so not sure why they keep mailing these to my home. I have called in to take my name off of mailings, but they still continue to arrive against my request. This is a clear cut violation of law and completely out of compliance with Regulation P - GLBA Privacy Rule. Please take action to have them cease these communications. Honestly, I would never do business with them since they can not simply record my privacy preferences in an efficient manner, The offer is coming from Capital One, XXXX XXXX XXXX, XXXX, VA XXXX. The product offer states " Venture One Rewards '' expiring on XXXX/XXXX/15. It is labelled " your no hassle application ''. Reservation # XXXX, Access code XXXX. Such actions are annoying, abusive and a real inconvenience to have to continuously take action when several reasonable attempts were made to stop. All I want is for them to remove me from their mailing list and systems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: As of my graduation date in XXXX, I did not receive any bill from Navient or who ever was Navient prior to changes of the loan servicers. So I called Navient because I wanted to get my loan information ( payments, due dates, balance ect. ) and make a lump sum payment from a graduation gift. So after I made my lump payment of about {$4000.00} in XXXX, I asked Navient customer representative when my next payment is due. The individual specifically stated that no payments were needed until XXXX. Being an XXXX, I realized I would still be accumulating interest, so I asked the individual what my minimum monthly payments are going to be. I wanted to still pay down on interest and principal even though nothing was technically due till XXXX. The individual stated that my minimum monthly payment is {$70.00}. I took the customer representatives word. Subsequently, I made payments above the {$70.00} around {$80.00} - {$90.00} as it was difficult economic times. Around end of XXXX, I realized I had not received any paper bills nor loan package details ( amortization schedule, Repayment Schedule ) in the mail stating any repayment terms from Navient. So I entered into my online Navient account to discover that my {$90.00} payments a month was n't even covering the interest that was accruing on my loan. I then called to speak about the matter stating why they told me a minimum monthly payment amount that was n't even covering the interest that was accumulating. Navient was n't very responding to the matter. I paid an additional {$1300.00} in interest that was not needed. I had the economic means to pay a higher monthly payment but took Navients customers representatives word that the minimum payment was {$70.00} a month. The {$70.00} a month did n't cover any interest it basically added interest to my loan and differed my repayment of the principal. I believe this was a deceptive act by Navient and I am deeply saddened by the news that Navient has been doing this to many more borrowers in addition to myself. Economic times in XXXX were not very robust and this additional interest costs have been a burden. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Revenue Corporation (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Equifax on the following dates Via Mail Thursday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Tuesday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Via Phone XX/XX/XXXX XX/XX/XXXX I contacted Equifax numerous time to explain after their compromised information on my credit file was deleted and changed. My tradelines completely disappeared which were eventually replaced after 3 attempts to their call center in XXXX. My name variation which has caused multiple denials and inquires still effects me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Debt collection (Medical) with ARC Management Group, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked a copy of my credit report and realized that there was incorrect information on my reported from your agency, which I was not notified about. I do not agree with the debt. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt.I am requesting you to stop all activities including reporting this information on my credit report. I need you to report to the credit bureaus to delete this inaccurate information. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 

I have not received anything on this account with options XXXX XXXX XXXX XXXX XXXX ARC Management Group LLC for the amount of {$4700.00} I have not received anything this is not my account and I have informed them of that but yet the console report to the credit bureau.

Company response to consumer: Closed
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03/21/2017 about Debt collection (Medical) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested Professional Adjustment Corp. SW FL, Inc. to send me a copy of HIPPA form to verify the debt. To date, I have not received any signed HIPPA form with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called XXXX different family members and told them they were taking me to court. Uses different numbers and different names when returning calls. Called original creditors and they indicate they sold disputed debt. They have threatened to sur, come to my work, put me in jail, and have told the same to XXXX different family members.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Using a debit or ATM card

Complaint: I was enrolled in the direct express debit card where social security benefits can be received I was mugged on XXXX XXXX and my card and cellphone along with all my Medicare medical and i.d . we 're taken which I had in my wallet I am XXXX XXXX I also am XXXX so it 's difficult to remember pin number was on a paper inside pocket of wallet the people who mugged me went and made a transaction that was in the amount of {$980.00} and I contacted the card company filed a dispute gave clear explanation to incident they set up matter for investigation I was sent a letter asking me for additional details I sent a letter with atmosphere information and the amounts withdrawn from the car XXXX transaction and I waited for a reply from the company they had decided that no incident occurred and said they were not liable for any of the following transactions and would not be reimbursed so I asked for appeal with the results I also filed a complaint with XXXX then was contacted by a employee who is in charge of the investigation team then she said she would help resolve this matter she then mailed my account activities for the month of XXXX and XXXX showing withdrawalsome on XXXX XXXX for these amounts {>= $1,000,000} I had gave a full report to her about what took place the night of the mugging also told her I had no phone to call notified them within 2 days of incident she got in touch with me telling me in order to get the results of reimbursement of funds I was going to have to provide additional information I told her that I only had the purchase record of the cellphone I got in XXXX the carrier name me XXXX and she told me I need to get video for atmosphere machine or security recordings of place where atmosphere is located at I know I ca n't obtain anything like that in any need now I have been calling the person who is doing this matter and she ignores calls I left messages no replies and sent emails no response I want you to assist in recovering my funds from this company please contact me ok

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: After a separation of 2 years, without being on my mortgaged property, it was ordered in a divorce that my ex-spouse had 2 years to obtain credit and take over the mortgage for the property that I had financed. It was also ordered that if at any point, she was more than 60 days past due, I would retain ownership and responsibility for the property. After multiple court proceedings for her contempt, the property was finally awarded back to me on XX/XX/2016. The mortgage was originally with XXXX, during the court proceedings the mortgage was sold to Seterus, a collection firm. On XX/XX/2016, I paid {$4200.00} to Seterus to make the mortgage account payments current and up to date and made every payment on time from that point until the house was purchased in XXXX. The house was sold on a VA loan. I contacted Seterus in XXXX and informed them of the sale. Seterus assured me that although the closing was set for XX/XX/XXXX, I did not have to make any further payment on the loan. I was concerned that this would negatively affect my credit score. The Seterus representative assured me that I had a certain amount of days before that would happen. I was under that amount of days. On XX/XX/2016 I made a final payment of {$190.00} to Seterus, the payoff difference. On XX/XX/2016, I received a check from Seterus for {$310.00} for over payment. In XX/XX/2016 I received a letter from Seterus, it stated that I was past due on the loan. I called Seterus once again to dispute. Their representitive confirmed that the house was sold and their were no late payments. After explaining I was trying to repair my credit. I requested to have their auditors update their report to the credit agencies. It is now XXXX it shows paid, but now showing I have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Payday loan) with Sokaogon Finance, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (LA).
Issue: Using a debit or ATM card

Complaint: I was fraudulently debited money from my accto by a past vendor and was eventually extorted of this money due to Wells Fargo refusing to prosecute and claiming the case was dead due to their incorrectly filing the type of fraud charges ... 

I was deprived of {$3500.00}

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 09/28/2016 about Consumer Loan (Installment loan) with RFNA, LP (SC).
Issue: Taking out the loan or lease

Complaint: In XXXX I was going through some financial difficulties but my credit was good XXXX. I was offered a title loan in the amount of XXXX from Republic Finance @ a high rate of 29.99 %. I paid on time and consistently with an ending balance of below XXXX. On XXXX/XXXX/XXXX Republic Finance offered an additional XXXX ... for which I paid on time and consistently up until XXXX XXXX ... because of recent unemployment and added financial burdens .My credit score at that time was XXXX. In XXXX I decided to look through the contract and my records of payment and had discovered that Republic Finance had increased the interest rate to 32 % even after paying on time, consistently and with good credit. I also discovered that Republic Finance had added an additional XXXX to the second loan that did not apply to my loan or to the balance owed from the first loan. So the contract unethically and fraudulently read that I owed them XXXX on the Total amount borrowed of XXXX plus the XXXX balance from the first loan ... at an interest rate of 32 %. How is this possible, ethical or fair? I was devastated and outraged. In my time of vulnerability and need ... I had missed seeing this deceptive and predatory addition by Republic Finance. And I also recalled that the loan officer tore up the First loan contract and payment book with the original numbers while I was there in the office on XXXX/XXXX/XXXX. Since XXXX XXXX I have been harassed by associates at Republic finance calling my number and not leaving messages that could be documented or addressed. And on XXXX XXXX my car was taken from my driveway in the early morning hours without notification from Republic Finance. I 've been without personal transportation going on 2 weeks now. I 've had the same car for 15 years and can not afford to buy another because Republic Finance has ruined my credit .... My credit score in XXXX was XXXX but now in the tank at XXXX. I am stranded. Republic Finance is an unethical predatory loan company who needs to be brought to justice for ripping off vulnerable people and for using deceptive lending practices. and charging amounts far Over the amount borrowed or owed. My XXXX loans totaled XXXX plus the abusive interest rates. I paid a total of XXXX from XXXX to XXXX XXXX. But Republic Finance claims I owe them an amount of approx. XXXX dollars at this point. This has caused emotional distress as I can not pay them anymore. Republic Financed has ruined my good credit ... And they have my car in their possession. and have informed me that they will have it auctioned off in mid XXXX. I 've been ripped off, scammed and robbed. I wrote Republic Finance a letter to inform them that they are not to contact me expect by written documentation. Someone please advise! How can any company exist/be allowed to stay in business that expects to rob the lender of XXXX from a XXXX loan in a 4 year period and steal your car in at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation