milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: My minor daughter had her atm/debit card stolen as well as her mobile banking account information for her checking and savings accounts at Suntrust bank hacked. The thieves used her card to make fake/altered traveler 's check and money order deposits to her account then on the same/next day used the card to make large purchases. They withdrew money from the Suntrust atm as well. This was all in a few days window from approximately XX/XX/2016. Her first indication of anything wrong was the bank 's fraud department calling her on XX/XX/2016 and she realized her card was missing. She is in high school during the day and works part-time several days per week so does not make purchases daily so had not realized it was missing. The fraud department had her verbally go through the information as to what purchases she remembered making, but at that time she was not made aware of any of the fake/altered check deposits. The next week a letter ( s ) came from them in regards to being overdrawn. I went to the bank branch ( on XX/XX/XXXX ) and the manger pulled up the information and then gave me copies of the checks that had been forged-she never knew about those. We were supposed to have a form sent to contest those charges. The forms did not arrive and I spend hours over weeks talking to multiple people. Recently another department sent a notice stating that the accounts would be closed and demanding the overddrawn amounts be paid ( about 2000 $ ) as well as stating that a negative notation would be put on our credit files. I have given them the case numbers but it seems the fraud department does not share the information with the collection department. We were again by the fraud department to fill out forms ( some of them to be notarized ) that then never arrive. They insist that all this could be handled at a bank branch but due to our work schedules we have only been able to go to a branch once and that was not a useful experience. We requested the evidence they used in denying the claim-such as a list of all the time stamped transactions, video images of the perpetrator at the ATM and at XXXX making the purchases at XXXX. However, they have never provided the information only sending a denial letter. They have been very uncooperative. Without the proper information we can not adequately rebut any inconsistent information-my daughter is minor teen and even a week after the incident could not adequately recall which days she may have worked or not and what places she went or not let alone months later. The places that the thieves went to get and spend money were at some distance from our home base and it ridiculous how the bank is handling this situation.

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 04/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on  XXXX   XXXX     2017  my local Chase branch in  XXXX  Colorado closed my checking and savings accounts without warning. I was denied a withdrawal request from the atm at the branch. I immediately went to my branch and was informed that my acct had been placed on restriction, no funds were available, and that they did not want to do business with me any longer. i asked why and they said they could n't tell me.   I received a letter dated  XXXX / XXXX / 2017  ( see attached ) claiming that my accounts were blocked because they had n't received the information they had requested. what information?. i received no request.   On  XXXX   XXXX  i went to my chase branch and was allowed to withdraw {$370.00}. chase confiscated the rest of my money totaling {$1400. 00} ( ban k statements attached ) Also on  XXXX / XXXX /   2017  i received a letter from chase fraud recov ery ( copy attached ) informing me that there had been fraud in my acct and that they were taking {$1400.00} to  cover their loss. For questions i was to call  XXXX   XXXX  at  XXXX  Ive called him 6 times, neve r got through, left 6 messages with no return call from him. Als o on the  XXXX  i received a letter from cha se executive office informing me again that chase had the right to take my money and close my a ccounts. On  XXXX / XXXX / 17 , i spoke to  XXXX  at chase  complaint center. She said she would have a senior rep call me in 24-48 hrs to help me. As usual  NO CALL since. I am innocent of any wrong doing and chase refuses to cooperate so that i can recover my funds and clear my name As i state in my letter to chase of  XXXX / XXXX / 2017  this is the most shabby, unprofessional treatment Ive ever had. this reeks of a cover up and an " inside job ''! I expect prompt attention and assistance from chase to uncover the cause of my loss. Lacking their cooperation i will take whatever steps necessary to expose their bullying to the public and to the Colorado attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Regardless of income, my monthly payment from the beginning of my loans ( of around {$410.00} ) to what will be the end near the end of the loans ( {$600.00} ) is simply too much to pay given my income ( currently around {$28000.00} annually ). These loans are through Sallie Mae. They repeatedly harass my co-signers, refuse to change my monthly payment, or adjust my interest rate ( despite my consistent, never-failing payments ). I received my XXXX in XXXX from XXXX and am fulfilling my dream doing exactly what I want, teaching and playing music. I love my life but find it EXTREMELY difficult to find true financial security ( including buying a car, home, and leisure ). The stress and mental wear that this situation continues to cause me day to day is absolutely awful. It affects every aspect of my life ( including my relationships and overall outlook ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan through Wells Fargo to purchase a new home. The builder, XXXX XXXX, advertised a {$5000.00} incentive if I used their preferred lender, so I applied through their preferred lender Wells Fargo. We were initially told that the loan was approved and this was relayed to the builder. Shortly thereafter we were then told it was denied so we asked for a formal letter of loan denial to include the reason for denial. We waited approximately 2 months and made at least XXXX separate requests to Wells Fargo for them to send the denial letter. Finally a manager, XXXX XXXX, had emailed me and said that the loan had been withdrawn due to the builder not accepting applications from investor buyers, which is a false statement. I have confirmed with the XXXX XXXX sales representatives that they do not have an investor buyer restriction at this development, and also at no time did we communicate to Wells Fargo that we wished the loan to be withdrawn. We continue to be told that we withdrew the loan by Wells Fargo 's loan officer, XXXX XXXX ; this is also a false statement. If we did withdrew, why would we ask for a declined letter and also why would XXXX XXXX 's replies to our requests always be that we should have received a decline letter already and that he will look into it? In addition, in XXXX XXXX 's email he stated that I withdrew the loan and he implies that because I have more than XXXX financed loans Wells Fargo can not finance this loan : in fact I have less than XXXX financed loans which they were made aware of from the beginning. 
Wells Fargo 's reason for denial continues to change and I feel that they have treated my application unfairly ; the loan amount was small and we have multiple investment properties from which we produce our income, and our application would have taken more time to process ; this I feel is the reason that they brushed our loan aside and made excuses because it was not worth their time. Whatever their reason they appear to me to they have disqualified my loan because it is not a prime loan for them regardless of the excellent credit I have, ample reserves, and low debt to income ratio. This is just a summary. I can elaborate with details if you like.

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 11-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name and date of birth from XXXX credit bureau is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I initially filed a complaint XXXX and stated the below. 

" Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). '' company responded " Ref # XXXX {$200.00}, # XXXX {$170.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX XXXX. Please let it be known that this complaint was taken very seriously. XXXX XXXX 's complaint was examined by our Compliance Department, and a request was made to retrieve call recordings. There were no calls found. Our company did not file litigation on either account and have no intention to do so. Commonwealth Financial Systems was assigned both accounts for collections on XX/XX/XXXX. We are a third-party collection agency and as such we no not have contracts directly with consumers. We service accounts on behalf of our clients. Letters of validation were mailed to XXXX XXXX on or around XX/XX/XXXX. Commonwealth will send a deletion request to the three major credit reporting agencies to remove the accounts from XXXX XXXX 's credit history as the accounts are being investigated. In addition itemized billing statements will be mailed to him to the address listed in this complaint. I hope this response is satisfactory to XXXX XXXX and addressed his concerns. XXXX XXXX can contact our agency should he wish to discuss this matter by calling our toll free number, XXXX ext XXXX, XXXX XXXX XXXX , Collection Manager. If he has any correspondence that would verify that he is not responsible for this debt he should send it to our office so that we can forward to our client to be researched. He can mail it to our address XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax to the Client Services Department { XXXX } XXXX, or email XXXX. Please do not hesitate to contact my office should you need further assistance. Thank You. XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Company has not deleted this collection account from my XXXX report as they said they would as per the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.

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 03/15/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: An attorney for a creditor placed a restraint on my bank account. The Bank of America sent me an exemption form to fill out which is required under NY State law. The only money in the account was direct deposited Social Security benefits. I filled out the form to say the only income in the account was exempt. The Bank continued to restrain the account. I contacted an attorney. She contacted the creditor 's attorney to inform him the income was exempt and he sent a notice to the Bank to release the account. The bank released the account, but retained a {$120.00} processing fee. Under New York State law, the Bank is not entitled to the processing fee if the account should not have been restrained. Because the bank knew the only money in the account was direct deposited social security benefits, the account should not have been restrained. The bank has no responded to my attorney 's requests to refund me the {$120.00} processing fee.

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 03/25/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  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 04/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: i have to accounts XXXX is for captial one and the other is XXXX with XXXX and both accounts are closed i want the accounts off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On   XXXX   XXXX   XXXX  , I 've received a letter from  Social Security Administration  that I was not eligible for my  SSI  monthly check, because between    XXXX   XXXX    to    XXXX   XXXX    I have had more than {$2000.00} in my  JPMorgan Chase Ba nk account, allegedly.  ( Docs attached ).      Turns out, that only on    XXXX   XXXX   XXXX    I became a co-owner of my husband  XXXX  's account, number  XXXX . Then on    XXXX   XXXX   XXXX   , I signed my name out and  XXXX  returned to be the sole owner on that account.     I called Chase Bank a few days ago, twice, an d two differe nt customer service reps have run my SSN through the system and found out that I have had no history whatsoever with Chase Bank! Which is strange because I did have a joint bank account with  XXXX  between  XX/XX/XXXX  and  XX/XX/XXXX ! Nonetheless, it makes the case even stranger based on  Social Security Administration  claiming that I used to have thousands of dollars in my so-called Chase Bank account. If so, what happened to all my money??     M y SSN  is  XXXX   XXXX   XXXX  by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.

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