milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Credit card () with U.S. BANCORP (MI).
Issue: Other

Complaint: Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. 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 monetary relief
Consumer complaint received 01/21/2016 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I havr Federal Student loans that were serviced by a company called ed financial. My account was current for several years and also on forbearance. Unfortunately when the forbearance was up I was unemployed due to being layed off by my employer. Ed financial no longer serviced my loan and was transferred to whether company and I was unaware. Ed financial shows on my credit as 120 days late. 
Now I have taken the proper steps and have had all my loans consolidated. Edfinancial still shows on my credit 120 days late dated back to 2006. I have disputed thru the credit bureaus to have Edfinancial removed from my report as it have been over 10 years and they will not remove it. I want the item removed as I was unaware that the servicer was changed and also I got behind because of this and also this account is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,   XXXX  ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent certified letter to Experian that was delivered on X/XX/17 challenging collection accounts on my report. Received no response from Bureau.

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 02/28/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I HAVE A PREDATORY REVERSE MORTGAGE WITH XXXX MORTGAGE, FORMALLY XXXX REVERSE MORTGAGE. THEY CHANGED THE NAME OF THE COMPANY TO XXXX, BUT STILL OPERATE OUT OF THE SAME ADDRESS AND PHONE NUMBER AS XXXX REVERSE MORTGAGE. MY CHECK SHOWS UP AS LATE AS THE XXXX OF THE MONTH, AND THEY HAVE REDUCED MY CHECK BY {$150.00} PER MONTH DUE TO A FLOOD INSURANCE COMPANY CLERICAL ERROR. ALSO, I FIND OUT AFTER THE LOAN IS IN PLACE, THEY ARE NOT PART OF HUDS REVERSE MORTGAGE DATABASE FOR PROTECTION. HOWEVER I WAS GIVEN HUD APPLICATION FOFMS TO SIGN AS PART OF THE LOAN PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capitol one has removed 100 $ on XXXX separate occassions in the last two months from my bank account without my permission. I reviewed my capitol one account online and nowhere is the amounts noted. I called them and they also said there is no evidence they removed it and to call my bank. I called XXXX XXXX and they got back to me and said most certainly it was removed by them??? The bank is refunding my 400 $ and opening an investigation to get there money back. I owed no balance at any XXXX of those times they just outright took my hard earned cash. And had I not been paying attention I would be out XXXX {$.00} .This is outright stealing and I would love to press charges if I knew how. This company is crooks and everyone knows it. Why are they still open?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with Pacific Rim Alliance Corporation (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called repeated times, claiming I owe a debt from Checkmate Payday Loan. I do not recall ever making this agreement, I asked them to send me the original contract, they refused saying to go a website and I can get it there. I asked them for the physical address and licence number and they refused, stating that it is security protocol. I asked to speak to a supervisor and they kept putting me on a silent hold then a hard hold. They are calling my family saying I owe this debt and trying to collect it from them. I explained to them that they need to stop calling my family, they have my direct line and I have answered every time, they refused. They said they would " keep on harassing me until the debt is paid ''. I have asked for the burden of proof 6 times already, they refuse to send it. I downloaded the cease of communication notice and sent that to them today, XXXX/XXXX/16. They are very aggressive and will not stop their harassing collection techniques.

Company response to consumer: Closed
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$260.00} to my  XXXX  card  two  days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do n't understand why I am still paying for a student loan when the school closed. I was told if I did not continue they would garnish my payroll check or take my taxes. My loan is through Navient Department of Education Loan Servicing. I already have other student loans I am paying back but would like for them to take off the one from XXXX. I hear they have changed their name to XXXX. I was enrolled in XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I provided a case dismissed report for this XXXX account to the credit reporting agency and they still refuse to remove the item from my credit report, it is also listed as a collection account for XXXX XXXX XXXX, Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XXXX/XXXX/XXXXFiling Date:XXXX/XXXX/XXXXAmount $ XXXXXXXXLast Activity Date:XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THE INFORMATION SHOWED UP ON 3 OF MY CREDIT REPORT FROM XXXX XXXX   AND I WAS ABLE TO MOVE FROM XXXX like around XX/XX/XXXX AND AFTER SEVERAL MONTHS I TRIED TO WORK EXPERIAN IN XX/XX/XXXX AND I ASKED TO FILE A DISPUTE AND I WAS GIVEN A REPORT FROM experian and THEY SAID THEY IN COTRACT WITH XXXX XXXX AND THEY SAID IT WAS MINES. SO ON XX/XX/XXXX AT XXXX XXXX I CALLED THERE OFFICE AT XXXX AND THE ACCOUNT # XXXX AND I WAS TOLD IT WAS FROM XXXX XXXX OF XXXX IN FLORIDA AND I TOLD ITS NOT MY AMOUNT I HAVE NOT HAD DENTAL WORK IN FLORIDA AT ALL. IN XX/XX/XXXX MY DAUGHTER XXXX XXXX XXXX XXXX XXXX IN XXXX, N.Y. AND FROM XX/XX/XXXX UNTIL XX/XX/XXXX I WAS TRAVELING FROM XXXX, N.Y. TO FAMILY COURT IN XXXX, N.Y. SO I WAS HOME TRYING TO FIX THESE HARD TIMES. AND I SAID TO THEM THE ONLY FROM IN XXXX, FL. IS MY WHO IS XXXX YEARS OLD AND MY SISTER WHO WATCHING OVER. I KNOW AFTER THING BACK I REMEMBER MY WHO IS XXXX XXXX XXXX WHO LIVES IN THAT AREA WHO TOOK MY XXXX XXXX I.D . IN XX/XX/XXXX WHEN I WAS IN XXXX, N. Y. SO THE DEPT. OF SOCIAL SERVICE TOLD I WAS RECIVING XXXX XXXX IN FLORIDA AND I SAID NO AND I HAD TO THEM HIS NAME AND ADDRESS AND I WAS CLEARED OF ALL CHARGES! SO I TRIED TO EXPLAIN THIS XXXX XXXX THEY COULDN'T HELP ME CAUSE THEY ONLY COLLECT MONEY. SO I SAID I CAN'T PAID SOMETHING I DON'T OWE AND I DON'T KNOW ANYTHING ABOUT THOSE CHARGES AND WANTED TO PAY THEM FIRST AND THEN DO IDENTITY THEFT OR HE ME TO GO TO THE POLICE DEPARTMENT BUT, I LIVE IN XXXX AND NOT XXXX, FLA. AND THE INFORMATION ON MY CREDIT REPORT IS DIFFERENT FROM WHAT THEM TOLD ME THE AMOUNT IS {$420.00} DATE STARTED ON XX/XX/XXXX AND IN REPORT IT'S {$470.00} AND STARTED ON XX/XX/XXXX! PLEASE HELP ME I AM TRYING TO FIX THESE ITEMS IT'S HARD GET HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: XXXX XXXX 's ATM card was stolen and a fraudulent check was deposited via mobile banking and withdrawn via ATM by the thief. When Santander Bank recognized the check was fraudulent, the funds were removed from XXXX XXXX 's account, resulting in a negative balance. When XXXX XXXX went to the bank to ask for help and ask why her account was negative, Santander insisted she pay the negative balance, even though a thief was using her account for fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I just opened my new monthly bill and saw that I was being charged a {$75.00} fee for a " broker price fee '' I then called them up and no one knew what the fee was for, but they still refused to remove it. I then asked to speak to a supervisor, and I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Recovery One, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION ().
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. ().
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! 
In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Ability Recovery Services. I am not liable for the collection of this debt from XXXX College. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally. 

Thank you for your time.

Company response to consumer: Closed with explanation