milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I called Bank of America regarding a return item fee on my account. I explained that the cutoff on the ATM machines state the business day is over at XXXX XXXX local time and I thought that was across the board but the app has different information and list it as XXXX XXXX ET. I spoke to XXXX # XXXX, a supervisor who basically informed me that is was my error and it was just MY account that was not eligible for courtesy waiver even though my account has never had the issue before. I asked per policy and procedure shouldnt all accounts be treated the same? She said yes per fed regulations they had to but MY account was not getting a courtesy waiver. She basically said depending on the account, Bank of America can or can not make the decision to waive the fee. I have had a similar issue with Bank of America in the past. What criteria do they use to determine when fee waivers occur if the customer is at fault? What makes my call to BOA for courtesy waiver different than another customer who calls in and misses the deposit cutoff time and request a waiver? I would like that information from BOA as well as the {$35.00} fee waived if it can not be provided, because all customers are not being treated equal. What is the basis of the unequal treatment is it gender, race, religion, geographic location? I would understand if there was a policy in place and no one received it, but to just say no when I have never asked or had this issue before is ridiculous without a reasonable explanation when it is something that is offered to some customers. They need to provide data showing the race/gender of customers that are offered fee waivers. Would that data be skewed? Does it favor particular groups?

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 01/26/2018 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 status incorrect

Complaint: The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have, on 4 separate occasions attempted to update my credit report through Experian. I am a victim and have several account VERY negatively effecting my credit. I have send in the identity theft report, proof of identity, proof the account are not mine, only to be told the information has been " updated ''. But all they did was make a comment stating " consumer disputes account ''.

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 01-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called and wrote multiple letters Equifax to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with Performant Financial Corporation (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was called by XXXX XXXX and told me that he called my job trying to collect on Student Loan debt and that 's why he called my job that I just started less than two months ago. I told him he should n't have called my job because we are n't allowed to get personal calls at my job unless it 's an emergency. He said he was allowed to call my job and I told him it was against the law to call anyone 's job about a debt and that he could have gotten me fired from my job. He was rude and did n't let me talk and would not allow me to deferr my student loans because I had just started working there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 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: Personal information incorrect

Complaint: Yes I see wrong addresses on my credit report

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 11/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Dear CFPB : I would like to thank your office for the swift response to my initial inquiry concerning the XXXX major credit bureaus and their validation methods. I would firstly like to thank this agencies fight for consumer financial protection, and credit accountability. 

I contacted XXXX, XXXX, and EXP. via phone and certified mail requesting the removal of a fraudulent Tax Liens, incurred by my ex-husband he filed taxes under my name as a married couple long after we had been divorced. 
The XXXX granted me INNOCENT SPOUSE RELIEF, SEPRERATION OF LIABILITYI sent the attached docs. To each bureau and gave them the 30 days allotted by the FCRA and FDCPA it has been over 60 days and they have not responded, which is a violation of my civil rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DE).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Santander Bank NA offered high interest rate CDs about 18 months ago. Bought two substantial CDs ( different maturities ). f Was told I had to also open a checking account as part of their teaser rate offer. I told the desk officer that I had no intention of using another checking account, and was told that would be fine. Also expressly asked whether there would be any fees, and was told " No. '' So I also opened a checking account with {$100.00}, and did n't even bother ordering checks. 

In XXXX of this year, received a statement which, in fairly small print, said " If your account remains inactive for one year, we may discontinue mailing paper statements ( online statements will still be available ) and, depending on the type of account you have and your balance, we may begin charging an Inactivity Fee. '' Note the use of the word " may, '' twice. 

That statement showed a deduction of {$16.00} for Inactivity Fee, so balance down to {$84.00} as of XXXX/XXXX/XXXX. 

I decided that was minimal, so took no steps at that time. Figured at {$16.00} fee annually or quarterly, the yield on the CD 's still made the transaction worthwhile. 

But unless my memory has failed me, the next statement I received was just this past month -- XXXX XXXX. It had the same legend as quoted above, but showed the checking account balance as {$0.00}. In fact, showed that XXXX balance as of XXXX, which means that between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Santander had taken {$84.00} in Inactivity Fee ( s ). That 's in 6 months, and w/o sending monthly notices. 

I have a very hard time believing that these undisclosed withdrawls were based on ad hoc decisions. I have to believe that when Santander said it " may '' discontinue monthly paper statements, it had already programmed to cease monthly paper statements. Similarly, when it said it " may begin charging an Inactivity Fee, '' it had already programmed to do so, and knew what the amount and frequency of the fee would be. 

In all, Santander 's comments and printed materials are misleading in the extreme. Over {$100.00}, I ca n't do much more than send this complaint, but I imagine others have had similar experiences and perhaps you could get them to be more accurate in their printed materials. 

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 explanation
Consumer complaint received 04/23/2015 about Debt collection (Medical) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It has been 3 months since I accessed my credit at XXXX and discovered that Transunion has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX 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 06-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My wife and I have a medical debt that is currently being held by IMC Credit Services. One of their employees by the name of XXXX XXXX used his personal cell phone to contact my wife in connection of this debt. His number is XXXX. This communication tactic was intentionally misleading and violates the FDCPA. XXXX XXXX also utilized IMC Credit Services business line to contact my wife at her place of employment, and cell phone. I had previous correspondence with this agency and made a verbal request on a recorded line to only make verbal communication through my cell phone number, which they failed to do on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.

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 OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: I was affected by hurricane XXXX and the bank AmeriHome Mortgage Company , LLC said it could take 3 months without making payments and they would not charge a later fee. 

I did have been trying to pay them but their online system says I am not eligible to make a payment and it will not allow me to pay. It 's been like this for 3 months now. 

I have to call them on the phone now and make they payment, the charge me XXXX dollars each time. 

They charged me XXXX dollar for my last payment but they never took the money out of my account, I called them last week to ask about why they have not taken the money from my account, and they said on their system it shows that I 've paid. 

Now, I just got a foreclosure letter in the mail. 

I't seem they are purposely trying to foreclose by purposely not accepting my payment and making supper difficult to make payments. 

I even mailed them a check that they deposited then send me a check from them back and says I still owe money I already send them and charged me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Sallie Mae ( XXXX ) has charged me far more interest than I agreed to when I took out the loan initially. Additionally, late fees are too high. 10 years after I graduated, my total amount owed is the same as the initial amount, even though I have paid over {$600.00} per month for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

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