milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank. 

In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance. 

On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ). 
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ). 
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ). 
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ). 

I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in 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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with NAVY FEDERAL CREDIT UNION (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used

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 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.

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 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number 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 non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX I ended up getting sick my I was missing work due to my illness and was struggling to make ends meet ... My doctor ended up putting me on medical leave in XX/XX/XXXX and he told me to expect to be out for several months ... My student loan is roughly {$400.00} a month. I knew there was no way I was going to be able to afford that since I was going to be out. I called Navient to try and work out a much needed lower payment and the person told me over the phone I would n't qualify I needed to just make my pymts I was out of work on medical leave for XXXX months. I paid what I could during that time. The whole ordeal has severely affected my credit ... All my loans on my credit are listed individually as a posed to XXXX loan which means if I was XXXX month late I was hit with XXXX missed payments not just XXXX. I went to school so I could provide for my wife and XXXX children and I have been unable to obtain a mortgage loan because of this. I have been paying faithfully since XX/XX/XXXX and my balance barely has gone down as a matter of fact on every loan currently I owe several XXXX dollars more than I even borrowed on All loans..My last payment of {$380.00} and {$210.00} was applied to the loan ... For the past year I have just figured well if I ever want to buy a house I need to do as they say but I feel they have done me so wrong with not trying to help me with a solution. I do n't believe they have been applying the money to each loan appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Delinquent account

Complaint: I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night.

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 04/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.

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 01/25/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MN).
Issue: Managing the loan or lease

Complaint: We have had this auto loan with Chase Auto Finance since XXXX and have always made our monthly payments. In XXXX of 2015 our financial situation changed and we needed to sell the vehicle. We listed the vehicle on XXXX and found a buyer for the vehicle. The buyers wanted to wire the funds directly to Chase as the buyer was in another state. I contacted Chase for the official payoff amount ( which is what the buyer paid ) and to get the wire transfer information from them. I was notified by the buyer when the funds were delivered and then I called Chase to see if the loan was satisfied and the funds posted. It took a few business days for Chase to be able to tell me the loan was satisfied. When I was told by Chase the loan was satisfied and the vehicle was delivered with a bill of sale. I was then sent in the mail a lien release signed by Chase and notarized receiving it the next week along with a check for the overpayment. I did not hear anything from Chase until they called me three weeks later to tell me my last loan payment was not received 9 days ago. I told them I sold the vehicle and it was delivered after they told me the loan was satisfied. I also told them I had a lien release. They tell me the day after the lien release was completed the funds were reversed from the account so I am now responsible. They would not at first give me the information listed on the " check '' they say they received for the payment, but they finally did after arguing with the customer service person. Of course the buyer a dealer is not answering the phone. But why did Chase state the loan was satisfied before it was and if it was official, why did they allow the reversal of the payment? I feel and many others I have talked to feel that this is their responsibility. They release the lien and have not provided me with any written notice of anything different to date.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with XXXX and Transunion several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX  and transunion still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX  needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.

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 06-05-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Transaction issue

Complaint: Purchased a timeshare with XXXX XXXX and the sales representatives overstated the income. Unkowningly to the client, the sales representative added the income of each spouse to the individual credit card application, overstating each applicants annual gross income by approximately {$50000.00}. The entire purchase transacations was then chanrge to XXXX cards opened up that day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare sends me letters stating that my insurance has expired, and that I am not covered for windstorm damage. I live in a condominium apartment, and the insurance policy of the condominium association has never lapsed. I have mailed LoanCare and faxed LoanCare copies of the insurance policy. They continue to threaten me that they will bill me for coverage. 
They also tell me that my escrow account is depleted because of increased taxes. XXXX apartments are taxed at a lower rate than free-standing homes.

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 10-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Hello there, It all started with a fraudulent charge on my credit card, I file the claim with Wells Fargo and requested a refund, finally I got that taking care of, but the waiting was very unpleasant with Wells Fargo customer service, the fraud and claim departments. These people behind the phone, only provide first name, please investigate this bank deeply, today I will close my accounts because they are threatening me to close my accounts if I do n't provide a Social Security Number, this bank was the one who opened a credit card and wanted me to do business with them. They are threatening because I submitted the claim of those charges. 
When I called I started a log because some calls were very unpleasant, poor customer service, they put me on hold, they hung the phone on me as well. 
Every time I called I was give information to wait, or they transferred me to other departments and they hung the phone on me. 
I have a few names of those customer service representatives from Disputes or Fraud or customer service offices that really need urgent training. 
I was treated really bad, not a care for my dispute and wasting my time with vague answers. 
Wells Fargo Card Services, XXXX XXXX, this man keep sending me emails with no real answer and ignoring my requests. This man never provided the last name but you can see in the attachment what he was doing. I even this there is bad intentions to cause distress. 
Wells Fargo Online Customer Service, XXXX XXXX, this woman asked me information about my issue with Wells Fargo and never responded, never follow up, instead she sent the email to XXXX XXXX the man, mentioned above. 
Wells Fargo XXXX Speaking representative, XXXX, this man, I beg him for help after being hung up a few times, this man, put me on hold for 25 minutes and then hung the phone. 
Yesterday, I received another letter that unless I provided my TIN or SSN they will close the account and penalties will apply. 
I have done business with this bank for about 14 years, not the best of experiences, they are the ones who sent the option for a credit card, and now this. 
I believe they want to bother me because I disputed those charges from my account. 
The first letter came from a XXXX Manager, Wells Fargo Risk Operations XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Can you please investigate this bank. 
Thank you 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