milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!

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
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX   XXXX     Navient refused to continue my forebearance due to my being  XXXX  ; Now my SSD check is being offset by 15 % for defaulted student loans ;  Navient says I may  not have forebearance ... .HELP

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX I purchased a home for XXXX. My payments were XXXX a month including my insurance. It was a 30 year loan. In XX/XX/XXXX I refinanced getting XXXX in cash. The mortgage balance was XXXX. My balance on the house jumped to financing {$50000.00} My payments were XXXX a month not including my insurance. I bought that separate. 
My complaint is I have paid on my house for 29years. I still have 9 more years to go before I pay my house off. I am XXXX years old, I will be XXXX when the house is paid for. Principal and interest totaling {$180000.00} for a house XXXX plus XXXX cash. Costing me {$5000.00} for XXXX I may not have all of the figures exactly correct but I do know I made a terrible mistake refinancing. My question is this should not be legal. My interest rate is 8.5. I checked into getting a lower interest rate and I can through Chase at 4.5 getting my payments to {$290.00} a month for 15 years. Then I would be XXXX years old. I am retired and receive an income of XXXX a month. My question is who is getting my money besides the mortgage company and the government. What can I do to pay my house off I still owe about {$32000.00}. Is there any help? Do I have to accept that I have to pay almost XXXX for a house that I got for XXXX plus XXXX cash totaling {$58000.00}. That is XXXX interest. The guy that refinanced got {$5000.00} for giving me {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax used improper network and data security practices that resulted in my personal data being leaked to individuals of ill intent. I should be able to trust a credit reporting agency to take appropriate security measures to avoid compromising the identities and personal financial security of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with N.A.R., Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ALLY FINANCIAL INC. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: When I attempted to get my annual credit report, all THREE reporting agencies stated that online credit reports are not currently available and they provided a phone number to call or recommended writing a letter to receive the my credit report ( after completion of the request form ). I believe the law requires easy access to an individual 's credit report annually but the current behavior of the reporting agencies creates a barrier to individuals who attempting to review their credit reports.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our deceased father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A collection agency XXXX XXXX XXXX XXXX in XXXX, Colorado XXXX is incorrectly reporting to credit agencies that an item is in collection. That item was incorrectly reported and they said they were going to delete that information from my credit report. I have a letter dated XXXX XXXX from the collection agency indicating they were going to do so, but as of XXXX XXXX, XXXX, despite my repeated phone calls with them they still have not deleted the item so it is showing up as negative. They were also never able to provide me with a copy of any outstanding invoices to substantiate their claim, which was false anyway. There were rude and not cooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX is refusing to delete derogatory information from my Trans Union Credit Report until XX/XX/XXXX. The account was charged off in XX/XX/XXXX and has been paid in full. Attached is a copy of my report showing that XXXX XXXX account # XXXX is not set to be removed until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I scheduled a payment through Bank Of America to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was boarded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Deposits and withdrawals

Complaint: I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Bank account or service ((CD) Certificate of deposit) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.

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 07/31/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have received a new XXXX XXXX credit card from Bank of America. I have never activated or used this card, but the bank immediately charged the yearly fees on the account. As I was not aware of it I did not pay any payment on the account as I expected the balance to be XXXX. Couple months later I was notified by my Credit Tracker application that Bank of America reported this account as 30 days past due. This caused my credit score to drop almost 100 points. I immediately called the bank, paid the total balance and closed the account. But they refused to withdraw the credit report derogatory information.

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 07-05-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: A friend and I traveled to XXXX via XXXX XXXX in XXXX  2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!!
100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ...
Also, I XXXX  the merchant in question. Company and/or address does n't even exist ...

Company response to consumer: Closed with monetary relief