milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: We closed credit card account with Citi Bank in XXXX XXXX. Their customer service confirm the closing by email and asked us to wait for the final bill to make the final payment. We did not receive the final bill hence paid the last bill received from Citi Bank ( late XXXX XXXX ) as Final payment. Citi Bank then sent an e-mail asking for late fees which we are disputing for past 4 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Debt collection (Medical) with FirstPoint Collection Resources (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: FirstPoint is attempting to collect a debt that I have no knowledge of or have ever done business with. They claim they have all of my information including my private social security and will do what they please with it. Per the FDCPA, they do not have my express consent and they are using deceptive means by forcing a debt on my that I never heard of nor have I gave them my authorized signature.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Profit Recovery, Inc (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this account and Im getting no results from the creditors other than it meets FCRA requirements which isnt accurate. I have no ownership for this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: If we the people are essentially forced into trusting credit reporting agencies with critical personal data, at the very least we should be allowed free freezes and thaws on our credit when their colossal XXXX ups threaten the financial security of millions of Americans. Not even going into the issue of how social security numbers are misused in this country and how fragile that entire system is. There 's no reason Equifax should be allowed to profit off credit freezes and identity protection after they leaked the personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax needs to delete and block these fraudulent accounts immediately : 1.  XXXX /  XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX    3.  XXXX  Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Wells Fargo has been my bank for 29 years. I was attacked by a pit bull and have a go fund me account that deposits directly into my account. They have {$800.00} they are holding, with no reason. The fraud department does n't know, the banking XXXX does n't know. They are holding money that will help me pay for my bills since I ca n't work. How do I get my {$800.00} back. Since I have to lay at home I have had hours of conversations with numerous " specialists '' and they still do n't have an answer. What do I do?

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 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recieved my credit report from a car dealership, and it came out with a different name and address. I also went onto my credit karma account and checked if there was anything unusual about it or any loans that I may have not known about, and there was a mortgage loan under the name of XXXX XXXX, with my social and it was on my account. The person was also making on time payments. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ XXXX can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon XXXX XXXX XXXX to Weds 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 explanation
Consumer complaint received 07-03-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I am writing this letter because less than a month ago I purchased a car with XXXX XXXX XXXX, MA and I acquired the finance with Wellsfargo.
<P/>I made it very clear that I didnt want my monthly payment higher than {$400.00}. I was surprised when I verified the terms and conditions of my car loan with the Wells Fargo agent. The interest rate is 4.9 % to 6 years finance. I consider that Wells Fargo has incurred in Fair Lending violation since I know people who currently has an interest rate of 2.9 %.

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 03/28/2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently received a debt collection notice from an unknown source. 
I do n't know or recall ever dealing with this creditor ( XXXX ) stated on the collection notice. Have never purchased services, bought products or merchandise from such creditor or used any financial means from such creditor. No info regarding when, where, and how if I ever made contact with such creditor. In a nutshell I do n't know who this creditor is and the amount they are trying to collect. They provide no real evidence info on this matter.

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 10-06-2017 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: XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with DISCOVER BANK (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX   for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Auto) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a medical resident and I have a number of federal loans being serviced by MyFedLoans.org. By law, I am able to defer my loan payments until I am done with residency. In order to do this, I have to fill out a form showing that I am in a residency program and send it to MyFedLoan. I am doing this, but MyFedLoan is systematically making it difficult for people like me to submit these deferment or forbearance forms. At first, they only provided a fax number - and would then tell me they didnt get my fax after I sent the form. Then, they provided a file upload page on their website, but the forbearance form upload section doesnt work, it just times out. Now, I am trying to use an email, but I have had mixed success with this in the past. MyFedLoan is trying to collect more fees from people like me by saying they did not receive our forms and that our payments are late, and then they charge us higher interest and fees. Can you please investigate this? 

Note : if you go on MyFedLoan 's website right now and try to upload a consolidation form, it uploads in a matter of seconds. If you try to upload a deferment or forbearance form, it times out after 5 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. 
pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. 
pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure accordingly.

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 02-09-2018 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Credit Bureau Data, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a debt owed that I am being sued for. A payment plan was set up in XXXX and a payment amount was agreed upon between the debt collector, myself, and IN Charge debt solutions. The creditor stopped payment without notification on XXXX. They are now seeing me for the total amount of the bill and not taking the {$210.00} we payed into account. They are also using a different name other than the company we payed ( A lawyer ) So we write a personal check to this Lawyer but when he cashes it the check clears at the original company ( Credit Bureau Data Inc. ). They are now still seeking the total amount even after I have provided proof to the court system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Aldous & Associates, PLLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.

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