milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.

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 09/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have contact Wells Fargo on many occasion to correct credit report and they will not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Derogatory mark of child support and the account has been closed since 2013

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 09/19/2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX sold my account to a collections company but is still reporting debt by them. 
I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.

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 08/29/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: Hello : It has come to my attention that all or most of the credit card companies collaborated recently to start charging ridiculous late fee and interest charges on the balances, if the due date is on the weekends, when all financial institutions including the credit card companies are closed for business transactions. 
Therefore I would like the CFPB to send a memorandum out to stop this unlawful practice by the credit card companies. Why should their customers send XXXX dollars to them one or two days ahead of the due dates instead of them waiting for the next business day to receive the amounts? 
Your advise and action would be highly appreciated. 
Thanks,

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 03-07-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle loan with GM financial and after my husband lost his job my vehicle was repossessed. I was in discussion with many financial representatives for hardship status and after speaking with GMs representatives we came to an agreement amount in XX/XX/2016 that they would accept {$3800.00} as full settlement and agreed to dismiss the charge off and list it as paid in full per our conversation and agreement. This was not honored. I have worked very hard to improve my credit and have not abused lending. I have not been afforded any chances at reestablishing myself as GM/XXXX did not honor their end. If it was never the intention of the company to forgive the amount left over, they used a very dishonest way of misleading me into believing if I came up with this VERY large amount of money, that I would be free of this debt. They were able to sell the vehicle, I paid on the vehicle for a couple of years and I paid the settlement amount agreed upon. I would like this charge off, unpaid balance removed from my credit report and I would like an updated report sent to the companies who requested my information. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Delinquent account

Complaint: I had a credit card with USAA Federal Savings and XX/XX/XXXX the account was charged off. XX/XX/XXXX, they sent me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX as issued. It has affected all my financing since XX/XX/XXXX due to this fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage Servicing has misappropriated {$3200.00} from the escrow account attached to my home mortgage. On XX/XX/2015 they took a scheduled withdrawal of that amount to pay the scheduled property tax installment, which was indeed recorded as paid a week later on the county website. 22 days later, on XX/XX/XXXX, XXXX took another withdrawal of the same amount, creating an escrow deficit of XXXX. They have told me on the phone that this withdrawal was not sent to the tax agency but remains in Seneca 's control. It is easy to see the second withdrawal from my account on the attached activity listing from my mortgage account with them. When I demanded that they return the unauthorized withdrawal to my account immediately the replied that it would take two months tho " investigate '' the matter. It does n't take a genius to look at the statement of activity and see the duplicated withdrawal. Two months of " investigation '' time amounts to theft of my property with no promise of returning it. Since I am closing a refinance today I am forced to pay XXXX extra to pay off the existing mortgage, to cover the funds that were improperly withdrawn by Seneca. 
They are : Seneca Mortgage Servicing LLC XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has XXXX account XXXX original creditor XXXX. I never had XXXX nor did I ever live at the address it was installed has been deleted with the other XXXX credit bureaus.

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 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Sale of account

Complaint: On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I made a request to Experian to lift my credit report freeze permanently. I complied with all of their requirements and asked for confirmation. Experian has not answered to mu request. I have been denied credit XXXX times based on Experian 's incorrect information. Please asked Experian to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as 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