milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Payday loan () with Carma Enterprises Inc (NV).
Issue: Can't stop charges to bank account

Complaint: Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.

Company response to consumer: Untimely response
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with Experian, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

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 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My concern is about how Transunion reports a BK episodes, in particular the following accounts : XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX. I have filed a telephone dispute re : this matter today XXXX/XXXX/XXXX at XXXX PST with Trans union ; spoke with representative XXXX for 27 minutes. 
Of note XXXX and XXXX reported my BKs in XX/XX/XXXX and XX/XX/XXXX when I filed. Does Trans union operate on a different set of rules?

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 sent over XXXX letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

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 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

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 02/24/2017 about Credit card () with CITIBANK, N.A. (OR).
Issue: Credit card protection / Debt protection

Complaint: I reported an unauthorized charge on my credit card with Citi bank. A charge was made that was not expected. The charge was made at a XXXX car rental. I was offered a free upgrade, only to find that that it was not free, but instead charged {$240.00} for this upgrade. When XXXX had me sign they gave me a PDA without a total on the screen, and the salesman said it was an agreement for the car rental. Nowhere was it visible that there would be an additional charge.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.

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. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Consumer Loan (Installment loan) with eMoneyUSA Holdings, LLC (WI).
Issue: Managing the loan or lease

Complaint: I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Solidus Group LLC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my 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 10-03-2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Federal student loan) with EOS Holdings, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.

Company response to consumer: Closed with explanation