milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Bank account or service (Other bank product/service) with Xerox State & Local Solutions, Inc. (UT).
Issue: Using a debit or ATM card

Complaint: I 've had over {$1000.00} wrongfully charged my Utah Eppicard ( child support ). When I call any number and select any option, I can not get anyone on the phone! I have sat on their IVR for over an hour, each day this week! How can I dispute my transaction when no one answers!

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 04/30/2017 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 would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert

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 09/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (OH).
Issue: Struggling to pay your loan

Complaint: I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.

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 08-09-2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: Refinanced home with 5/3rd Bank in XXXX of XXXX. The statement on XXXX showed a charge posted on XXXX of {$1300.00}, listed as " SHORT PAYOFF ''. The explanations I have received over the phone have been unclear and seem to indicate a mistake being made in the original closing. They have said that we were credited twice for something. I have requested in that an explanation be sent to me in writing with all the math. I have not received that information and am concerned that INTEREST is accumulating on that fee, charge, or whatever they want to call it. I have spoken with the person at XXXX on : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX. 
I find it hard to believe that they can can not explain this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been cheated into higher payments due to blatant disregard and the criminal activities of XXXX and subsidiary company, Navient Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Trouble during payment process

Complaint: Our previous mortgage loan was with Mr Cooper. We got a letter in XXXX stating they sold our loan to XXXX XXXX. We usually made payment to XXXX XXXX who would pay Mr. Cooper. Mr Cooper received that payment onXX/XX/XXXX and they claim it was Wire Transferred as a bulk payment to XXXX XXXX but do n't have any electronic record to show. XXXX XXXX continues to tell us they have n't received the payment. We have spend numerous hours trying to get this resolved but not able to get anywhere. A I can provide proof that money was transferred from our XXXX XXXX account XXXX XXXX and from XXXX XXXX to Mr. Cooper. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked  XXXX  to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report  ( p reviously reported here  ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.      This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

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 08/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loans under one account with Nelnet was reported to all three credit reports as credit cards and having 8 different student loans. My Nelnet Account # XXXX Current Balance {$48000.00}. My student loan account I had filed a dispute fraud done by XXXX XXXX XXXX XXXX financial aid department and with federal student Aid. I have repeadly informed representative that forged Promisory Note not signed but typed my name on X/XX/10. Promisory. Note done by someone in the financial aid department at the University. XXXX XXXX, Chief Financial Aid Officer at XXXX XXXX I spoke to was the go to person who handles these frauds and disputes. Informed that all my financial aid files would be audited and that the forensic accountant auditor would be done. Nelnet representatives informed me that nothing would be reported as delinquent since I filed a fraud complaint and once that was cleared up, my student loan would be recalculate and corrections would be made and I would then start making monthly payments. But Nelnet reported 90 days delinquent on loans as if I had 8 accounts with them knowing I have one loan account with a total loan balance combined into One ACCOUNT. This has affected my credit reports rating/ score from good standing to bad standing. Affected me emotional, economically financially and have prevented me from applying for federal jobs. Nelnet account XXXX is not a credit card loan as it is reported on my 3 credit reports. Student loan I have.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Approximately 6 months ago, I sent a certified letter to XXXX asking for this account to be removed from my credit report due to not receiving a notice 5 days prior to debt being placed on my credit report, and due to not having any knowledge of this debt. I was sent an email back stating the debt was mine and I must pay it. There was never any proof of any signed contract between myself or SCA Collections.

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 01-04-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint mortgage is showing we are late on our Mortgage and threatening to negatively affect our credit when we are not late and have never been late. We have corresponded with them over and over again showing them the cancelled checks and proof that all payments since the inception of the loan have cleared our bank account along with the original note and closing statement and they still send us letters showing us as late and will not correct their records even though we have provided proof we are not late. We have sent them certified mail, emails and have spoken to them and they still send us letters showing we are late. They deny receiving the certified letters that we have proof that they signed for. We can attach all correspondence with them showing they are being negligent in this matter and we as consumers should not have to be put this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Information is being reported incorrectly. It 's not correct. According to XXXX they claim this is not what they reported. The account balance at the time of the new statement was {$1.00} for interest. XXXX claim that 's what they reported. My balance being reported as of XX/XX/2016 was XXXX balance. It may should have gone from XXXX balance to {$1.00}. 
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent Transunion a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and TransUnion responded with the same response. I am asking that you force Transunion to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am XXXX resident. My credit card is fraudulently used for booking airticket booking in XXXX XXXX  on XX/XX/XXXX for XXXX USD. Immediately I got a email message I complained to my bank in XXXX within 10 minutes. They reversed the transaction and issued new card. After chargeback and dispute resolution they reversed the amount and now claiming the amount. Merchant no. XXXX merchant sic. XXXX. XXXX called as XXXX XXXX is travelled with booking XXXX in flight XXXXXX/XX/XXXX XXXX-XXXX. As I have disclosed any card details to anybody and I was in my county I.e XXXX. XXXX and their bank not cross verified XXXX card details during travel. Please ask the company to refund this money and catch this fradulant person. As a citizen I informed my bank in 10 minutes and later informed 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 08-02-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
<P/>
I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
<P/>
On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
<P/>
As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
<P/>
Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX at XXXX I received an email from Bank of America alerting me that my checking account had less than {$25.00} available. I checked my account and found that three transactions occurred that day that reduced my bank account to approximately {$3.00}. One transaction was for {$60.00} through an ATM in XXXX XXXX XXXX IL. The other two transactions occurred at XXXX XXXX IL Bank of America where a teller gave an unknown individual {$2000.00} and {$200.00}. I immediately called Bank of America to report the fraud. The debit card department took care of my {$60.00} that day. The check department said they could not do anything until the $ XXXX and {$200.00} transactions were posted to my account. On XX/XX/XXXX I called Bank of America first thing in the morning and reported the fraudulent activity for the $ XXXX transactions and was told I would be receiving correspondence for this claim ( claim number XXXX ). On XX/XX/XXXX I called Bank of America to follow up on the claim and was told that my case had not been looked at yet. I tried to explain that all the money I owned had been given to a stranger who walked into a Bank of America in XXXX XXXX IL and I won't be able to pay my house mortgage or apartment rent. Both are going to negatively impact my credit rating, I will be evicted from my apartment and unable to afford food for my family. I was told they were not authorized to credit my account because they haven't even looked at it yet.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated 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 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

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