milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months. 
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping 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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana

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 04/27/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I am repaying XXXX debt to a law firm. I have made two monthly payments on each. Now another law firm at the sAME ADDRESS WITH THE SAME SIGNATURE AT THE BOTTOM OF THE PAGE IS TRYING TO GET ME TO PAY THESE SAME DEbts with them. Is this leagal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.

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 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I emailed you saturday, It was cryptic which decrepit DIVERSIFIED CONSULTANTS HEADQUARTERS IN XXXX AND OFFICES IN XXXX. I TOLD THESE XXXX, FROM ( XXXX ) 4 TIMES TO STOP CALLING ME, HARASSING ME WITH THEIR STUCK ON XXXX ( HANG-UP ) AFTER 1 RING. SPOOFING THEIR XXXX NUMBER FOR A PHONY XXXX XXXX COUNTY NUMBER. DO COMPETENT PROFESSIONALS ACT THIS CHILDISH AND XXXX?! # This fraud deceit malice XXXX is paid for by XXXX. I do n't owe XXXX anything. I will never pay these XXXX thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/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 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kohn Law Firm S.C. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a customer of Navient. Approximately 3 months ago, my student loan payment was lowered approximately {$15.00} without my consent. While lower payments would normally not be something to complain about, I just found a letter from Navient informing me that this would result in " now hav [ ing ] more time to replay the same loan balance resulting in lower monthly installments but the overall cost of your loan will increase. '' I then attempted to go on Navient 's website and adjust the monthly payment myself but it is literally not possible to do that. The only way to change the payment is to call. I then called and the representative tried to give me a different payment that was " automatically calculated. '' I then told her exactly what I wanted my payment to be and she said she would have to speak to someone else because you ca n't just pick the number you want. After some back and forth ( and complaining ) I was able to get the payment I wanted. 

This seems to be a not so subtle way for Navient to increase the interest they collect on loans. Again, I did not ask for my payment to be lowered and I have no negative activity on my account that would change my status with them. I am not sure if this is common practice but it seems, if not illegal, extremely disingenuous. I do understand they sent a letter informing me of the change, but I also think we can agree that most are not likely to read the letter and/or note the implication.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Its has been eight years since i have attended XXXX College XXXX and have had multiple conversations with XXXX XXXX Navient now XXXX XXXX XXXX XXXX who is now the " middle man '' between myself and XXXX XXXX . After agreeing to pay back XXXX $ a month for the foreseeable future i was on my way. I have made about 11 payments in a row with out any problem until my current job ( XXXX XXXX and XXXX XXXX ) did n't pay me for the work i have done. I have not been paid in a month. The situation did n't improve and i had to apply for unemployment. I called my XXXX XXXX stating the situation and they advised me on my options and were helpful explaining Deferment and income based repayment. XXXX XXXX were less then helpful. XXXX XXXX XXXX XXXX explained that they would talk with XXXX XXXX Navient on my behalf to help me in my situation. I was accepted in the interest program with XXXX XXXX XXXX and if i didnt pay they would kick me out. So i received a phone call from my representative from XXXX XXXX XXXX saying that i can stay in the program but have to pay XXXX dollars a month just to stay afloat in the program but i will still be accruing interest. How is this fair that Navient can ask me from money that is technically the governments money? ( because i 'll have to pay it the government ) I barely making ends meet looking for work.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

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 02-10-2018 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.

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 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. 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 06-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,    2017, an  online transfer in the amount of {$2900.00} was made from my CHASE checking business account to an account under the email of  XXXX  XXXX  XXXX  and name  XXXX   XXXX , DO NOT RECOGNIZE neither. I learned about this issue on  XXXX   XXXX ,    2017,   when I proceeded to pay my rent and found out about this particular online transfer I never authorized nor knew about.  <P/> I immediately called  CHASE CLAIMS  DEPARTMENT, claim #  XXXX . In addition, I filed a Police Report at the City Of  XXXX  Police Department, Incident #  XXXX . The Bank credited my account for {$2900.00}. On  XXXX   XXXX ,    2017 the y reversed the credit for the {$2900.00} from my account, stating they were not able to corroborate any fraudulent activity. Since then, I have repeatedly been trying to reopen the claim, only resulting in a negative response on behalf of the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Medical) with Interstate Credit & Collection, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with Aargon Agency, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PREFERRED CREDIT INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!

Company response to consumer: Closed with explanation