milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

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 01/23/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to me ... ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In   XXXX   XXXX   XXXX    I ca lle d to make my payment the same way I always do through  BMW 's  automated system. I received no notification whatsoever that the payment was n't processed un til  X/X/17  and ul timately was reported by  BMW to the  credit bureau that my payment was 30 days late. The notification I received  on  XX/XX/XXXX  specific ally addressed my   XX/XX/XXXX   payment, not the   XX/XX/XXXX   payment, however the balance showed  two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an   outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was  on  XX/XX/XXXX  addressing my XX/XX/XXXX  payment  and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed   XXXX   differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am one of the many who had to opt into an income based repayment plan. After much research and after finally being in a decent situation where i could afford the monthly payments i began it. I was told by the rep that if i paid XXXX a month i would start to see a reduction in my overall balance. It turns out that wasnt the case and instead of my total balance being deducted even by a dollar after each payment my debt only kept increasing. I then decided maybe if i paid more ( XXXX ) it would be enough to tackle the 6.125 % interest rate they have on both loans. As of now my debt is increasing and remains somewhere in XXXX even though i only make XXXX before taxes yearly. I think they purposely do this so i can pay them out the 16 years that are needed for loan forgiveness. Please help, even if there is no foul play with my account, at least for self educational purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 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 have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

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 01/19/2017 about Student loan (Non-federal student loan) with PNC Bank N.A. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Refund anticipation check) with WELLS FARGO & COMPANY (NV).
Issue: Lost or stolen check

Complaint: I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.

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 06-06-2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Settlement process and costs

Complaint: I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of? 

Thank you for looking into this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied.

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 06/16/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
<P/>
Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled a copy of my Equifax credit report for review and noticed an item from XXXX XXXX XXXX on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.

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 01/25/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have paid my student loans on-time, every month and have started making excess payments each month with plans to make several lump sum payments this year. I contacted Great Lakes to better understand how my payments are being applied since I make excess payments larger than the amount being applied to my principal balance. It turns out they are not applying my extra payments to the principal, which is compete scam!! Instead, they apply any extra payments to the following month 's payment, never reducing my principal balance. 

I have emailed them several times to request the payments be applied to principal only to receive the same script of how to apply payments to certain loans ( not the principal ). In addition, I have requested a spreadsheet of hypothetical scenario of me making a lump sum payment, so I could determine my options and they still have not provided this example, only the same repetitive script. 

Great Lakes does n't make it very clear how the excess payments are being applied. If the extra payments are not applied to the principal, it does n't make sense to pay extra on student loans until you save enough to pay in full since your principal is not reduced and you could be earning 1 % interest or 5-8 % return elsewhere. 

This practice should be illegal -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Student loan (Non-federal student loan) with KEYCORP (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XX/XX/XXXX which took care of what I was past due prevously. I told him that I could go in on the XX/XX/XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2018, I checked my credit score and found that XXXX had lowered my score by 26 points due to an unknown inquiry and/or known inquiries on my account. I called XXXX to complain and received no satisfactory resolution to my complaint. I am a veteran XXXX XXXX XXXX and occasionally receive calls from lenders wanting to extend credit to my company. Since I am the owner, they generally want to check my personal credit history. This should not be a reason to lower my credit score. I employ approximately 50 people, many XXXX veterans, like myself. I feel that I am being unfairly treated and hindered in my ability to conduct business in the ordinary course as a result of this lowering of my credit score.

Company response to consumer: Closed with explanation