milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I received an overdraft fee of XXXX , from Sun Trust despite denying overdraft coverage on XX/XX/2016. By denying overdraft coverage I wanted my card to stop processing transactions and be denied at the retail institution. This did not happen. I went into the Sun Trust bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX around XXXX and the Branch manager XXXX XXXX refused to reimburse me the overdraft fee.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They have called several times from local numbers but are out of XXXX sc. They called about a debt from XXXX yrs ago that has since been taken care of, threatening to put a refusal to pay on my credit report. I googled their name and found thousands of complaints, about how they tried to scam thousands of others. Please shut them down before I become XXXX of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In order to save our home from foreclosure in XXXX, XXXX, while we were negotiating a loan mod with XXXX XXXX XXXX, we filed Chapter XXXX. They finally did a loan mod in late XXXX, XXXX. The loan mod was not the greatest either. They extended the term to 40 years @ 4 % and moved the loan to Ditech. We have been making payments direct to Ditech ever since. The Chp XXXX was completed and discharged in XXXX, XXXX. Ditech has refused to acknowledge the completion of Chp XXXX and have not reported to any credit bureau that we have been making payments direct to them for the last 3 plus years. Our credit reports should reflect all the timely payments made to Ditech. Our credit score remain a XXXX '. We are XXXX and are unable to purchase new equipment or get a credit line. We are unable to rebuild our credit due to Ditech 's failures.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX XXXX XXXX a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine I am a victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, 2017, I initiated a wire transfer with a Bank of America branch in XXXX MA. The amount to be transferred was to be XXXX XXXX Yuan sent from an American checking account in American dollars. It was indicated to use that the exchange rate to be used would be somewhere between XXXX to XXXX yuan for every dollar. This was close to the exchange rate shown online at the time and similar to the exchange available from XXXX. We thought this was fair and conducted the transfer. We expected not much more than {$12000.00} to be withdrawn from the checking account to fund the transfer. Upon receipt of a monthly statement we realized that {$12000.00} was with drawn. Bank of America indicated to us that they used an exchange rate of XXXX. This exchange rate was no where near the published exchange rate online or the exchange rate used by Bank of America. If we had known that Bank of America was going to use this anomalous exchange rate, we would have used another company. We do not know if this is a normal mode of operation for Bank of America, but it seems very inappropriate. I am a XXXX XXXX and I do not know if they regularly give misleading information about the exchange rates that they will use to foreign customers. I went in person to the Bank of America branch where this transaction was conducted and they told us to call the foreign exchange center. I called the center to voice the complaint and they indicated that the money would be refunded. Unfortunately, so far they have only refunded XXXX. The difference between the rate we believed we would be paying and the rate that was used, should mean that Bank of America should refund us at least {$590.00}. We would like for Bank of America to at least credit this additional XXXX. The issue of anomalous exchange rates being charged by Bank of America should also be examined so that this does not happen to other people. 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 monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my Transunion report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. XXXX does not report this original account. 

This account was transferred for collection within the Department of Education.  The collection account is being reported to XXXX, XXXX, and Transunion. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, XXXX, and Transunion. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Received a loan you didn't apply for

Complaint: I got a derogatory mark on my credit report for a loan that says I received a payday loan. I never received a payday loan from this company

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.

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 07-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: When I signed up for the American Express XXXX XXXX credit card a few years ago, I had a XXXX membership number that was tied to that account. Sometimes last year, however, that XXXX member number expired and I signed up with a new XXXX membership with a different membership number. About 4 months ago, I was told by American Express that my XXXX XXXX XXXX was a victim of ID Theft and that they were going to issue a new card to me. After a couple of weeks waiting for my new card, I contacted American Express customer service to find out why. They told me that it was because they had my old expired XXXX membership number tied with that credit card, and according to American Express, in order to have the XXXX XXXX credit card, it requires an active XXXX membership. I explained to them my situation, that I have a new membership number with XXXX. They told me to fill out a form to link my new membership number with the credit card. About 2 months ago, I linked my new XXXX membership number with my credit card and contacted American Express to send me my new card. Every time they told me they were going to send me my new card, it never comes, and I would need to call them again. This has happened more than XXXX times calling them and complaining to them. 

Three weeks ago, I called American Express customer service, and they told me they cancelled my American Express XXXX XXXX credit card without my consent! Then the representative started asking me about my personal info ( SSN, Birthdate, Income ), and when I asked him why he needed all that information, he told me he was going to apply for a new credit card for me to my surprise! Since I just wanted my credit card, I gave him all that info. A couple weeks past, and I still had n't get my credit card. Last week, I spoke with the supervisor of American Express over the phone and explained to him the situation and filed a complaint with him, and the supervisor " promised '' me that my credit card will be arriving on XXXX/XXXX/2015 and that he will be calling me to follow up if I received it. I did not receive my credit card. 

I have already put a lot of patience into this issue and have put as much effort that I could to get my credit card, and I do n't know what else to do besides write this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Customer service / Customer relations

Complaint: Capital one corrected XXXX entry on my credit report but not the other, XXXX cards were disputed in my original complaint and only XXXX was addressed. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.

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 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Other transaction problem

Complaint: On XX/XX/2018, there were 5 forced debit card transactions posted to my account from Coinbase. All 5 were duplicate amounts from previously charged purchases. These amounts were {$490.00}, {$650.00}, {$700.00}, {$750.00}, {$750.00}. I was unable to reach customer support via telephone due to call volume after waiting an hour on hold. Further support request via web support only resulted in an email notification of the problem stating : " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Optimum Outcomes refuses to remove inaccurate information off my XXXX report. The information was deleted from XXXX bureaus but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments '' ( late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.

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 01/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Delinquent account

Complaint: the account was paid and has a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with ROC Asset Solutions, LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The lady called asking for XXXX XXXX. When I told her she had the wrong number she continued to ask me questions. I told her that he was my ex husband and I have no contact with him and asked for her not to call. She then began to ask if I had children. I replied and told her that was none of her business. She then told he I was being rude so she would continue to call me everyday because I was rude and would not remove my number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full and I was told they would remove it from my credit report but that has not happened 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 explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with Credit Card Receivables Fund Incorporated (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a debt on my credit report for {$510.00} that is n't mine. I have no knowledge of this account or this company for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This is  XXXX   XXXX  who borrowed {$30000.00}  from    XXXX   XXXX   on  XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on  XXXX , then I paid again to discover {$30000.00}.   So, I paid all, but discover said that I have owe {$15000.00}.

Company response to consumer: Closed with explanation