milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with TRUSTMARK CORPORATION (AL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Student loan (Federal student loan servicing) with NELNET, INC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (NC).
Issue: Managing the loan or lease

Complaint: Recently acquired information pertaining to USA Discounters utilizing unlawful practice with loans. I had a XXXX loan with this company in which I have paid off over a 4 year time span. It is to my understanding that USA Discounters are to provide full restitution for the time period of my loan. I also was XXXX for a year of my loan and also was not granted the decrease of percentage. I have attached the article for reference. 

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 12-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan was serviced by XXXX. They sold my loan to Navient during the same time I changed student loan service to XXXX XXXX on an income based payment plan. I am being double charged for my student loan. Navient has me in deferment while owing them the same amount as XXXX. I need Navient to leave me alone. I do n't owe them anything because XXXX paid XXXX for my loan already. I only need to pay XXXX XXXX. Please help me not double pay my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}. 
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying. 
Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: i had started receiving letters from this company that I have never done any business with and then I started getting phone calls from this company leaving messages on my phone I wish someone would make them stop i 'm trying to work an those calls are very annoying..

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 01-05-2017 about Debt collection (I do not know) with MNS & Associates LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: when MNS Associates LLC calls the first question they ask is if I have ever had a civil lawsuit against me and if I have ever been to jail? I do not answer the question I simply ask for their mailing address which they are required to supply me by law they say that I do n't get to have that information. it is either XXXX guys but I think they are the same person they go by the name XXXX or XXXX. They call my mothers house 3 times a day my wife 's phone 2 times a day and my in laws house 1 time a day and myself now 2 times per day. 

they tell me that they are going to sue me and that I will go to jail or have my cars and house seized if I do n't pay the debt to them. they refuse to send me info saying that they do not mail things out and they only communicate via the phone. 

they have refused me 2xs to verify their address and to verify that they are registered to collect a debt in the sate of Michigan. they have refused to provide me with any valid information and they use what they believe are scare tactics to force me to comply. I have notifed them via telephone to only contact me by mail in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not 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 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-06-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BB&T CORPORATION (VA).
Issue: Credit limit changed

Complaint: On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My wife has recently died very suddenly and unexpectedly. I am trying to get some mortgage relief from Citi, since my household income is now reduced by more than half, through the established loan modification programs mandated under law. The system they have in place is very clearly purposefully designed to make the process as hard as possible and prey on people who are in the absolute worst and most desperate situations. They send hundreds of letters in the mail just to confuse you and then tell you to ignore them. They require you to respond within days to complex document requests that they give you no explanation of, but they wo n't respond to your emails for weeks. They claim you can reach your support specialist on the phone but its LITERALLY impossible to do so. Once you submit documents they just keep requesting the same ones over and over. Then once they 've delayed you long enough, they claim that its a new month now so they need yet more documents. 
The process surely crosses the line from simple incompetence into purposeful fraudulent manipulation of the system and of their customers when they are in there most dire situations.

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 03/23/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX I sent a letter to Transunion in regard to inquiries that were removed XXXX of XXXX and then added to my report without my knowledge Apparently around XXXX XXXX,. ( Which they ca n't do without written notice ). The company ignore my request which is why I 'm now filing a complain with the CFBP. 
The inquiries in question are as follow : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I reviewed my credit report and saw a company called Kay Jewelers reporting that I had an account with them and that I owed them money for something i knew nothing about. I immediately contacted the credit bureaus and informed them of the fraudulent account on my credit report. I also contacted the Federal Trade Commission and filed an identity theft complaint. The credit bureaus informed me that they sent the information to Kay Jewelers about the identity theft but Kay Jewelers continues to report this fraudulent account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX XXXX OFF THE ACCT AS AUTH USER : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On or about  XX/XX/XXXX , I received mail from the gas company BP. It looked like replacement credit cards for me and my wife. I have had a BP gasoline card for about 30 years along with cards from a few other gas companies. This card looked a little different in color and I was puzzled by the Visa logo on the from of the card. I looked at my existing BP card and it does not expire until  XX/XX/XXXX  which was more puzzling as to why they sent a card a year in advance. After looking over the material in the envelope I relealized they sent me a general Visa credit card which I did not ask for.
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I called the number on the sticker on the card ( page 1 in the attachment ) and got to an operator who was trying to get me to give her personal information like SSN and phone numbers and I stopped talked to her. I hung up. I pulled one of the cards off of the letter and underneath was a different phone number cleverly hidden under the card ( page 2 in the attachment ). I again got a person trying to get personal information from me. I insisted on speaking to a supervisor and was transferred to a gentleman several minutes later. Upon pressing him about what I received and why. He told me that BP sent out a credit card offer with a OPT-OUT provision. This was incredible. I told him I get a ton of credit card offers in the mail and routinely shred them to protect my credit and never heard of this. I explained how upset I was at this deception and got very little support from him. I told him this was fraud and the credit card could have gotten into the wrong hands and since I was not expecting this it could have created a big problem.

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 01-05-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.

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 02/22/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: credit pull without permission

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 08-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Citibank sent me a mail promotion for XXXX AAdvantage miles for opening a Citigold account and satisfying some qualifying activities. These qualifying activities were opening a new Citibank checking account and making qualified debt card purchases of {$1000.00} and doing 1 or more online bill payments for 2 consecutive months within 60 days of opening the account. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XX/XX/XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation