milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. 
I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. 
Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Medical) with Holloway Credit Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In early XX/XX/XXXX I received a letter from Holloway Credit stating they were about to report a debt of {$3300.00} on my credit for an outstanding medical bill that I had for XXXX ( a medical facility ) from XX/XX/XXXX. This amount included an illegal collection fee for {$820.00}. As I remember it, I became afraid because they said I had 10 days to pay the full amount. So, I submitted a payment for {$3300.00} via my XXXX. Days later I discovered that I had not signed any contracts with the original merchant stating that I would pay a collection fee. As a result, I contacted Holloway Credit Solutions and informed them of this illegal collection activity, and on XX/XX/XXXX, Holloway Credit Solutions credited {$820.00} back to my account. Upon recent further review of my account transactions, my attorney determined that there was NO CONTRACT WITH HOLLOWAY CREDIT SOLUTION OR ANY OTHER THIRD PARTY to pay this debt, so therefore, I am due a refund for the remainder {$2400.00} that I paid to Holloway Credit Solutions for the money they illegally collected with no contract, and while I was under duress of the threat of having this reported on my credit back in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX, a check was mailed for {$55000.00} ( the full account balance ) from XXXX XXXX XXXX XXXX XXXX, IL. This check was cashed on XX/XX/XXXX, however was not credited to the account until XX/XX/XXXX. Due to the delay in processing the payment on Navient 's end, there was a {$260.00} late payment/additional interest on the account. This late payment should not have been added to the account as the check was received on time, but the delay was on Navient 's end while processing the check.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving between 5-10 calls a day at all times of day and night, during work hours, at night during dinner time, weekends, on XXXX during church service. When trying to communicate with callers, I am shamed or blamed for preexisting & new medical issues and confitions that prevent me from working and having a steady income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Basis for the dispute : On Experian Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On XXXX is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information on my Transunion credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?

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 01/20/2018 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Payday loan) with Centric Asset Management Inc (ME).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Centric assets keeps calling my work after I told them not to. A XXXX XXXX keeps calling treating to call my superior. 
I told not to call my work that I am notallowed.personal calls. 
He also harassed the people that work there.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (MN).
Issue: Managing the loan or lease

Complaint: My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and 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 explanation
Consumer complaint received 08/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I live on XXXX, XXXX ( XXXX County ) and have banked with Wells Fargo Bank. I resolved a lawsuit in XXXX County, XXXX involving attorney fees ( involving a dispute over real estate in XXXX ) by agreeing to a Consent Judgment. It was my understanding that the creditor/attorney would have a lien on my interest in the realty that would be sold down there in several months. Nonetheless, the creditor/attorney immediately obtained a Writ of Garnishment from the XXXX court and levied my bank account with Wells Fargo Bank even though I live and work in XXXX. I was under the impression that the foreign judgment had to be " domesticated '' or transferred to XXXX before Wells Fargo could freeze my account. In any event, I believe Wells Fargo Bank is violating my rights by honoring the foreign levy of my bank account that has approximately {$3700.00} and affording me my exemption rights under XXXX law. As of this writing, I have not yet received any legal papers regarding the garnishment.

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 11/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. 

I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. 

Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. 

I 've used the Capital One online chat service twice and can not get a satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Savings account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement

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