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

Complaint: I was traveling to XXXX from XXXX. Upon returning home I saw that my checking account was {$12000.00} short due to XXXX transfers out of my account ( XXXX for {$7000.00} and XXXX for {$5000.00} ). I did not authorize the transfers and immediately contacted my bank, Sun Trust. They opened a fraud investigation, I signed paperwork, and they stated that I should have the funds replaced within 10 days. Two weeks later I checked my account. The {$5000.00} was replaced but the {$7000.00} was still missing. I went to the branch. They said the {$7000.00} had been put in the account but was transferred out again, another case of fraud. Said they would expedite and I should receive the funds within 24 - 48 hours. After another week I check again and still no {$7000.00}. Now it has been over 20 days since funds were fraudulently taken from my account. Go into the branch and representative calls the fraud department who says they have to open a new fraud case and it will be another 10 days before the money is put in my account. Assuming it gets done again, and the money is n't immediately stolen ( why ca n't they put a flag on the account and not allow any debits?? ), it will be over 30 days that the {$7000.00} has been gone. i have attempted to escalate this but get no where. Please help.

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 06/26/2015 about Credit card () with DISCOVER BANK (IA).
Issue: Credit card protection / Debt protection

Complaint: My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with National Judgment Recovery Center, L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (OR).
Issue: Problems when you are unable to pay

Complaint: At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with AFM Financial Services, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.

Company response to consumer: Untimely response
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company ( comes up as NCB management ) has called me numerous times at my place of employment. The first time I asked the gentleman politely to refrain from calling my job phone and that he can call my cell ( if he had it on record ) after XXXX. Me telling him that stemmed from our job receiving a recent number of spam calls. So we were advised to not give out our personal information. He said he had my number and would call. That afternoon, I received another call at my job but was n't available to answer. When I did speak to a representative again, I asked her to please take my work number XXXX out of their system because we can not receive personal calls. Since then, I have still been receiving calls from them from different numbers, even on the weekends ( My job has caller id ). I also advised her that if there is any debt that i owe to please send it via mail. She asked for my address, i told her that if I " owe '' a debt, they should have my address. How can I get these calls to stop at work? I could lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refused to remove collection item from my credit report after providing them with all the necessary documents that show I am not liable for the collection item. 

BACKGROUND : XXXX XXXX, XXXX posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and XXXX XXXX should be closed down. The real lease is attached, notarized, and documented with the XXXX county recorder of deed, signed by myself and the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Struggling to pay mortgage

Complaint: Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.

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 07/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting and inaccurate XXXX XXXX XXXX Bankruptcy on my credit report. I have disputed this numerous times and I have also provided a letter from the clerk of court that stated they do not verify information with the credit bureaus. Also it indicates that they verified through a third party company called XXXX which is a violation FCRA, XXXX XXXX, paragraph ( XXXX ) ( B ) ( iii XXXX regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' XXXX reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX. 
Lastly I have a freeze on my XXXX XXXX profile so it was impossible for them to verify such information. Attached are documents to validate my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Experian to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Experian is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.

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 10-03-2017 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Trouble during payment process

Complaint: I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage

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 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service ((CD) Certificate of deposit) with BB&T CORPORATION (KY).
Issue: Account opening, closing, or management

Complaint: I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.

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 07-11-2015 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Shopping for a loan or lease

Complaint: LoanMart took unfair advantage of XXXX year old XXXX XXXX by charging 101 percent interest on a car title loan. XXXX XXXX borrowed {$14000.00} to fund a sweepstake scam and was forced to pay over {$44000.00} in interest fees for the loan on a car valued at approximatel {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Problems when you are unable to pay

Complaint: I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.

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