milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Deposits and withdrawals

Complaint: I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank. 
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Payday loan () with JPMORGAN CHASE & CO. (MI).
Issue: Payment to acct not credited

Complaint: Roughly 10+ years ago I closed out my accounts with JP Morgan Chase Bank XXXX in order to close out an unsecured line of credit I had to pay it off. I did that to close out my account roughly {$500.00} payment when I closed out the accounts, and now I get this late payment that showed up on my credit report after 10+ years stating I owe close to {$900.00} dollars. I have never had any payment schedules or notifications in the 10+ years because I paid it off. Upon calling them I am told I need to show proof I paid it off. I would like to think that if indeed I had not paid it off ( which I did ) I would have immediately received late payment notifications. I left Chase bank because of some poor customer service and charges that were way out of line with the other banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.

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 07/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Prior to the mortgage crisis, Bank of America approved $ XXXX loan under my name when I only made $ XXXX/month. They used my husband 's income as my income so I was approved. I was making my regular payments until my husband lost his job and I called Bank of America to help us since Obama came up with the Modification program. I was given a packet that I filled out and Sent it back with all the information they needed to collect. They then sent me a " trial period '' payment of {$810.00} as my original payment was about {$1500.00}. I made my {$810.00} payments on time as per the understanding of the mortgage coupon and letter. As my coupon was running out, I called to see what happened with my loan and they said they were looking through it and to be patient. A month later I called Bank of America again to check and they told me they declined my application to lower my payments. I received a foreclosure letter and started getting letters from my credit card company that they were either closing my credit card accounts or lowering my credit limits. I thought someone was running my credit so I checked and found out Bank of America said I was late on my payment. A few months later Bank Of America sold my loan to another company. It was n't true since they said I was to make the " trial payments '' and nevwr disclosed that it would show I was n't making payments on my credit bureau. I want that record expundge because I was making payments on time.

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 04-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MA).
Issue: Shopping for a loan or lease

Complaint: I saw a lower interest rate with the Citi XXXX XXXX so I could transfer a high interest rate credit card to a lower interest rate loan. When I spoke to the rep at Citi and I was told the amount of the loan that they would give me of {$500.00} I told them I had to think about it. The {$500.00} was not enough to cover my credit card debt. The next think I know I have an approval with a credit card. It has taken me several months to submit this complaint, but I do want this taken off my credit bureau score. I have submitted a letter to Citi as well.

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 12/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage documents/regulation z which were originated on XXXX XXXX, XXXX states that my monthly payment would be {$5100.00} beginning XXXX/XXXX/XXXX. I received a letter from Wells Fargo stating my new payment is {$6400.00}. When I called Wells Fargo, the customer service reps have no answer for the discrepancy but say I must pay the {$6400.00} or fall into foreclosure. My interest rate is locked at XXXX % currently and all other previous annual increases have been in accordance to my signed loan documents. I feel this is totally unfair, unethical and a breach of contract and would like immediate help in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 04-04-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I Have chase Card showing on my credit report which does not belongs to me. 
I have contacted all XXXX credit as well as Chase card to Deleted from My account., on three occasions. ( XX/XX/2016 - XX/XX/2016 - XX/XX/2016 and again in XX/XX/XXXX.I have file a Police report to local police department. 
Nothing been happen, this is affecting my credit i dont any one else if you look at my credit report. 
Chase Card -XXXX page XXXX and page XXXX account was charge off still reflect the balance

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Debt collection (Federal student loan) with AES/PHEAA (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.

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 09-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I just went thought your database and found some very interesting information. Of the XXXX XXXX complaints against BofA over XXXX of them were for Loan Modification, Collection and Foreclosure complaints. Of the ones that listed the consumer complaint they were for strong arm action or action taken without their knowledge. This seems pervasive and and like sever bullying of consumers. I am requesting a formal investigation to be started on this BofA issue. I feel strongly if different levels of employees are questioned with immunity and under penalty of law for lying you will find a lot of illegal and maybe XXXX actions going on at BofA. I personally would volunteer my assistance ( I have a degree in finance ) and have business ownership experience. There is a lot of smoke and evidence here and needs further investigation. These actions caused undue harm to local housing values and local tax revenues. Please feel free to contact me me. 
XXXX XXXXXXXXAlso, your writing box on thes site is not working properly. The person typing cannots see the words typed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX are trying to collect a debt from me but it is not mine. I never owed anything to Capital one. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: can not come to a correct final figure see attached as the interest changes daily it should be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: Applied for a loan through XXXX homes. I was told I needed {$3000.00} down for a VA loan for the home I was applying for. The housing devoleper says I 'll get extra money if I go with their lender Wells Fargo. I agree and start to fill out the paper work. Later find out that I did n't and was n't supposed to to put down {$3000.00}. I need {$0.00} down with the XXXX Next Wells Fargo has XXXX different loan applications open in my name. XXXX different numbers. I have to redo paper because of an " error ''. I saw on the new they were being sued and looked into it and made some phone calls and found out how scary bad they were and awful they could be to their customers. They call me about more paper work. A letter explaining why I save cash in a safe at home and borrowed money from my mother for convince to make a deposit on the house. They did n't like the way it sounded so they wanted me to lie and say it was a gift from my mother. Their reasoning, it would make it easier on them. I did not feel comfortable lying or frauding paper work to buy a house. They were persistent about it in my opinion. Being a XXXX veteran and having very limited income I feel like I was conned out of my savings. I also feel like they used me to make it look like there are more loan applications and then they wanted me to lie to hurry the paper work along.

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 06/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.

Company response to consumer: Closed with explanation