milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Deposits and withdrawals

Complaint: I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Shopping for a loan or lease

Complaint: In XXXX we bought a XXXX Mercedes-XXXX ( Vin XXXX ) .And in exchange we put our XXXX XXXX XXXX on trade for this vehicle. The vehicle ( XXXX ) had so many problems, needless to say the car was not worth it. We talked to the company about exchanging it for something else or maybe getting it fixed but they did n't want to help us out at all period. Supposedly after we had already bought it and had for a week they told us that the vehicle that they had sold us was not even part of the company that it belonged to the XXXX and he was selling it there. So since they did n't want to help us in any way we decided to surrender the vehicle back to them, but now we got a letter from Santander Consumer Bank that the XXXX went into auction but we still have to pay and outrageous total of {$15000.00}. We are looking at this as we should not have to pay it because we surrendered the vehicle due to the lack of no help from the car company ( XXXX in XXXX Mississippi ) or the bank ( Santander Consumer Bank ) and also because we had traded in our vehicle as well. All we need is a solution for this problem or some help on what we can do with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this!

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 07/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt was removed from my credit report over a year ago by the same creditor but it has now reappeared. I sent a dispute regarding the deletion and it 's still appearing on my XXXX repair. The company is XXXX XXXX XXXX but original debtor is 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 04/24/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: My mortgage is due the XXXX of each month as usual. However, by the XXXX day I began receiving phone calls daily at work and on my cell phone concerning the " delinquent '' payment. The mortgage was paid by the XXXX and I asked them not to call me during the grace period. I was told there is no grace period as the loan is due on the XXXX of each month. I requested they did not call me repeatedly any more until the mortgage was assessed a late fee or actually reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've sent numerous disputes to Equifax and each time it 's the same old thing " We find that the information is correct '' or " the information has been update '' showing nothing more than an 'I ' dotted or a 'T ' crossed. These are judgements that are ruining my credit and Equifax feels they do n't need to verify which they really do n't anyway. They check with what XXXX XXXX has and goes off of that even though XXXX XXXX has incorrect information XXXX times over. When someone has had enough they are n't going to be taking XXXX XXXX to court, it 's going to be Equifax. None of these judgements are recorded judgements. I 've gone to the courthouse many times ( small town ) and these judgements were never recorded and do not show up as recorded judgements. The number on the credit reports for the courthouse are not even working phone numbers and I was told by court employees that they have never spoken to, let alone verified, anything with the credit bureaus so I would like the name of the person you spoke to, the address and phone number so that I can enforce legal action for reporting false information about me. XXXX and XXXX deleted so I 'm really interested in what Equifax knows over XXXX and XXXX that they can verify unverifiable information. One of the judgements has my name as XXXX. I 'm a lot of things, but I 'm no XXXX. Last XXXX of accounts : ... XXXX, ... XXXX, ... XXXX, ... XXXX, ... XXXX. I 'm just so tired of fighting something Equifax does n't even bother investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX that became 30 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts that do n't belong to me : XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , 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 non-monetary relief
Consumer complaint received 03/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (FL).
Issue: Other transaction problem

Complaint: I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The CBE Group at XXXX XXXX XXXX XXXX calls me repeatedly during the day and if there is a representative on the line, they say nothing. There is no response to multiple repetitions of " Hello? '' and " Is anyone there? '' After multiple days with multiple calls like this, I called back and spoke with a representative today and requested that they stop calling me and saying nothing and stop calling me during work hours. Not four hours later, I got YET ANOTHER call from them. This is n't even a legitimate debt, but that 's a separate bone to pick - they need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit.  I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And  when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vengroff Williams, Inc (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to fix all hard inquiry it shows i have XXXX i dont know what they are it is hurting my credit. 
XXXX morgage XXXX XXXX XXXX Classic XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX Central XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional acceptance XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX of the hard i quires i have on credit and have tried to talk to them they all say they cant help i would like them taken of my credit llease ... 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.

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 01-10-2017 about Mortgage (VA mortgage) with LoanCare, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.

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