milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this 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 monetary relief
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (I do not know) with The CBE Group, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is posting data on my credit report that is outside of the statue of limitations in the State of Ohio. 
Account : XXXX XXXX Date opened : XXXX/XXXX/XXXX Today 's date : XXXX/XXXX/XXXX Statue of limitations in Ohio : 7 years Time reported : 8 years and 22 days

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Mortgage (VA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Focus Holding Company (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (TX).
Issue: Unexpected or other fees

Complaint: I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get XXXX they are threatening me with taking property from that I do n't have they call me XXXX months ago and I told them I will not be able to pay them back and they still threatened me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with Larry H. Miller Group of Companies (UT).
Issue: Taking out the loan or lease

Complaint: My father went to purchase a vehicle from Larry H miller XXXX. My father was assisting me in getting a vehicle due to my bad credit from a recent divorce. We purchased a XX/XX/XXXX XXXX and signed the agreement for {$370.00} a month. I then received a call from the finance manager a few days later advising me that the finance company had come back and the new amount would be {$410.00} a month and that we either " take it or leave it ''. We advised we no longer wanted the vehicle and the finance manager verbally agreed to release my father from the vehicle. We went in the next day to return the vehicle and they declined because the finance manager that verbally agreed was not in that day. We then came to the agreement that they would call us the next morning immediately to advise us of XXXX schedule. They never called us and a few days went by. We waited 3 days for their call and that Saturday morning the vehicle was stolen out of my driveway. We went to the dealership that day to see what would happen with the vehicle and XXXX spoke to us and told us that the financing for the vehicle had gone thru on XX/XX/XXXX and that it was our vehicle. After speaking with him for close to an hr, there was no resolution and we were treated like dirt. We then filed a claim with the insurance company and on XX/XX/XXXX we received a certified letter from the dealership that the financing had not gone thru. This was 6 days after we had gone into the dealership and they had guaranteed that the financing was done and was with the bank. The reason I feel that they pulled the financing again after advising us it was complete was because there is an addition that the dealership puts in place in the contract that states if someone either steals your identity or your vehicle is stolen, they would cut a check of {$5000.00}. I feel they pulled the financing so they could get out of paying that amount to my father. This dealership violated multiple regulations. First, I am not on the agreement or on any documents regarding the purchase of the vehicle, however the dealership had no issues advising myself over the phone of the interest rate, payment amount and terms without discussing them with my father who was the one purchasing the vehicle. Secondly, we were unaware until after looking up the laws that it is illegal to sell a vehicle to someone with open knowledge that they are purchasing the vehicle for a third party with no intent to use or own the vehicle. The finance manager even told us while we were talking about the payments, that if they asked, the vehicle was for him and not for me. As a consumer, my father had no idea that was not allowed but due to the dealership openly knowing that and still allowing us to purchase the vehicle, the were in violation and sold the vehicle under fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H

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 03/22/2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the ADR Group, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that XXXX had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.

Company response to consumer: Untimely response
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Account Systems of Omaha, LLC (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company has been deploying Unfair, Deceptive and Abusive tactics on their attempts to collect debts that they have been assigned to collect. Unwilling to work with consumers, filing suit and entering default judgments without properly serving the individuals involved. Should receive monetary reprimand. XXXX XXXX should be removed from his positions as his techniques have been deplorable to say the least. Making threatening statements to individuals is by exact definition abusive. Threatening to sue and report to your credit bureau as well filing suit without properly serving consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am writing this letter to address a series of student loans bills that I 've incorrectly received as a result of a misunderstanding with Sallie Mae regarding my enrollment status at XXXX University. It is my hope that upon reviewing my testimony that you will be able to help me in resolving this problem. 
My current predicament is the result of an unknown error which occurred during my XX/XX/XXXX semester. I attended classes with XXXX and received grades all throughout the semester. It was only brought to my attention just after the semester had ended, while preparing for my XX/XX/XXXX semester, that the university had no record of my attendance during the XX/XX/XXXX. Evidently, in XX/XX/XXXX when I had applied for a loan for the XX/XX/XXXX semester, Sallie Mae had never transferred the funds to XXXX University, and consequently the university did not recognize my attendance during that time. Despite the appeals from my professors, the university deemed that they had no record of my enrollment after XX/XX/XXXX, resulting in XXXX and Sallie Mae proceeding to begin billing me for student loan payments under the assumption that I had withdrawn from school. In XX/XX/XXXX, upon learning of the full extent of this clerical error, I was unable to pay the XX/XX/XXXX bill and was forced to cancel the semester. At this time, I was completely locked out of the university 's system until the bill was paid or semester was canceled, and was therefore unable to register classes in time to meet the XX/XX/XXXX start date. After making a complete assessment of my standing with the university through many meetings, I immediately re-enrolled as soon as I was granted access with XXXX to resume classes in the XX/XX/XXXX and have remained a XXXX ever since. 
I have attempted to rectify this situation with Sallie Mae and XXXX through repeated written correspondence and phone calls and have even made multiple deferred payments. These efforts were successful with XXXX, as they recognized the error and cleared things up swiftly. Sallie Mae, on the other hand, has ignored my requests to resolve this and has instead incorrectly charged off the two loans mentioned above to a of debt collection agency. 
Additionally, this situation has negatively impacted both my credit history and my father 's who is a co-signer on the loans. 
It is my understanding that student loan bills would cease at this time until after my graduation given that I am XXXX at XXXX University, and have been since the XX/XX/XXXX. It is my hope that upon reviewing my testimony you will be able to help me in resolving this problem so that I do not continue to be wrongfully billed for these loans. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation