milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other

Complaint: On XXXX/XXXX/16 I made a single {$200.00} online payment to my Bank of America Visa card. 

On XXXX/XXXX/16 a {$200.00} payment was withdrawn from my XXXX XXXX Savings Bank checking account and credited to my Bank of America Visa account. This first payment did show up on my Bank of America Visa account. 

Then on XXXX/XXXX/16 a second {$200.00} was withdrawn from my XXXX XXXX XXXX Bank checking account and credited to Bank of America Visa. This second payment ( which was unauthorized ) did not show up on my Bank of America Visa statement, and they claim to have no clue about it. 

I went to my bank on Thursday XXXX/XXXX/16 and they verified that the money was indeed sent to Bank of America to be credited to my XXXX account, and that they can not do anything about it because Bank of America already received that payment. However, I was told by Bank of America ( on XXXX/XXXX/16 ) that they never received the money and told me repeatedly that the problem had to be with my bank and that they should deal with it ( even after I told them that XXXX XXXX XXXX Bank confirmed that Bank of America received the {$200.00} ). They did, however, say they would look into the matter when I phoned them and that they would call me back within 24 hours. I still have n't heard from them. 

I may live on XXXX 's XXXX but I only make {$300.00} a week and this missing money has resulted in my not being able to pay some of my bills. It seems as though it has disappeared into no where and it was essentially inadvertently " stolen '' by Bank of America due to a problem with their e-payment system. I am upset by the fact that there seems to be no actual paper trail and Bank of America is not willing to take any sort of responsibility for what happened. 

The only thing I would like to add is that after all this I was contacted by XXXX XXXX by mail regarding a security breach at their company. I received the letter late on Thursday XXXX/XXXX/16 and called them that day. They said that my credit card information my have gotten out and that I should have my credit card number changed. I phoned Bank of America ( their XXXX is my only active CC ) and requested to have my number changed. I told the customer service person at that call as well ( the second call to them that day ) about what happened regarding my missing {$200.00} and he said he would also make a written complaint for me. I 'm not sure that the incidents are connected, however I think you should be aware of this and also know that the CC # I have provided as a reference is the cancelled card # ( I wo n't receive a new card and number until later this week ). 

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Trying to collect a debt that is not in my name and violations of FCRA in false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Synchrony Bank refuses to stop calling me at XXXX every morning unless my relative calls to have my number removed from the bank 's contact information. I do not have an account with them yet they continue to harass me even after I requested they stop calling every morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I just looked at my billing statement and noticed I had a fee for " debt protection. '' I never signed up for debt protection. I use automatic payments and have done so for years. I decided to look at past statements and was able to access statements going back to X/XX/15 and they all show that I have been charged every month for " debt protection. '' This is not a service I need, want, or authorized. After an internet search I saw that many other people have encountered the same issue and have gotten nowhere with Citibank to remedy the situation. I tried calling the number on the billing statement but could not reach an actual person. The credit card is for BestBuy and was originally issues by XXXX but is now serviced by Citibank.

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 12/22/2016 about Bank account or service (Other bank product/service) with Comerica (MI).
Issue: Deposits and withdrawals

Complaint: I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Auto debt) with Coastal Credit, LLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Owed 4000 on a car loan had horrible family issues they refused to work with me I begged for more time due to my sitiuation they refused demanded I pay them or they would destroy my credit they took my car and resold it for triple the amount owed but they still call and harass me and my family even call my job and friends the company name is coastal credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Student loan (Private student loan) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I applied for two, Private Student Loans with XXXX using a co-signer. XXXX was selected because they offered a co-signer release after 24 months of on time payments, which I even made during my school years ( I currently have a long time steady job ). XXXX eventually sold the loans to AES. As of this date, I have made FOUR years of on time payments on Loan # 1 and 2.9 years on Loan # 2. For the past 2 years, I have attempted to release my co signer on three attempts with negative results. During these processes, AES has requested more and more information - all which was what provided - to finally forward the information to XXXX, the former owner of the loan, who ultimately denied the request due to date of application being signed over 60 days. Another application was submitted with a quick DENIED. 
AES Customer Services representatives all have different answers and some cant even provide resolutions. AES agreed that they bought the loan from XXXX and own it however are not allowed to remove the co-signer and said everything had to go through XXXX XXXX. My co signer went to XXXX XXXX in XXXX CA in person and spoke to XXXX XXXX, a banking officer, who was also given the run-around by XXXX student loans. Our information was not in their system because they sold the loan to AES and we were told to direct our questions to AES - which didnt make sense because I received correspondence from XXXX during the XX/XX/XXXX co signer release application! 
After receiving a non-descript denial notice in XX/XX/XXXX, XXXX eventually informed me that a third party, XXXX XXXX XXXX, denied the request due to credit. XXXX? The AES agent, XXXX # XXXX, did not provide any additional information other than XXXX didnt feel I could make the payments. Even after FOUR YEARS of on-time payments and having a long-time steady job? How is XXXX, a third party, involved in the final say when XXXX via AES advertised a co signer release after 24 months of on time payments? When asking AES agent in XX/XX/XXXX ( XXXX, employee number XXXX ) for more information, she told me to fax AES a letter requesting XXXX the credit score requirements to release the co signer. However a subsequent phone call to AES agent XXXX # XXXX, said I was not able to do such a thing and didnt have any contact information for XXXX. I called XXXX via a XXXX search, and was told to direct my questions to AES as they were the service provider. 

Bottom line, I established a contract with XXXX based on the co signer release incentive. The loan was transferred to AES with the same agreement, and NO other stipulations. After making the double the aforementioned agreement, AES has not released my co signer and continues to give me double-speak and not fulfilling the agreement. I am requesting my co signer be released as I have kept my side of the agreement per the initial student loan conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX and the XXXX were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: My husband I obtained an auto loan through this company and kept the account current. On or about XXXX XXXX, 2016 the vehicle was involved in a fire and was deemed a total loss. At this time the auto loan had a balance of {$7300.00} My primary insurance issued a payment on or about XXXX XXXX in the amount of {$3900.00}. Gap insurance issued a payment on or about XXXX XXXX in the amount of {$2900.00}. Afterwards, I had made several attempts to set up payment arrangements that were satisfactory to XXXX parties ; unfortunately they were unable to accommodate a payment plan without issuing a derogatory mark on my credit report. When I called to today, XXXX XXXX, 2016, to pay the full balance they informed me that they reported that my payments were XXXX days past due. I stated that it has only been XXXX days since they received a payment and I believe that there is 30 days to make a payment since the last payment, so if anything I would be XXXX days past due. I paid the balance in full in an effort to minimize the impact that this account will have 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 10-06-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Credit reporting () with FACTUAL DATA CORP. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Other

Complaint: XXXX   XXXX     2016 I called card servic es and asked that my annual rewards program renewal fee not be dedected from my account as I did not want to pay the fee at that time. My intention was to start the rewards program back up at a later time. What happened is that they changed the product type of my credit card from a rewards card to a platinum card. I did not understand and was not aware of this change. I did not consent to this change. My sole intent, which I made very clear, was to not be charged the annual program fee at that time. As soon as I realized the mistake I called wells fargo and asked them to fix the mistake . Wells fa rgo now states that I am ineligable to switch the products type back to what I had.

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 11/30/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Payday loan debt) with Mobiloans, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.

Company response to consumer: Closed with explanation