milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in  touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Although Credit Karma is not a " reporting agency '', they claim to provide this service to consumers and if their information is no correctly accurate, it affects my decision to make a request for credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Refuse to investigate credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom It May Concern : I received a copy of my credit report and am FOR THE 3rd TIME disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX State Error. Not Reported by XXXX. Vacated/Dismissed. w/o Prejudice. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I am also requesting a full explanation of why this reinvestigation/Equifax has violated the Fair Credit Report, in that this investigation has taken WELL OVER 30 days. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report,  which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

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

Complaint: Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Other banking product or service) with UBS BANK USA (WA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: UBS disbursed a check to me from my deposit account, this check was stolen before it was delivered to me. I am seeking to get the money that UBS was supposed to disburse to me. 

* XX/XX/XXXXA check from UBS was disbursed to me on XX/XX/2017 by mail for XXXX from the money in my deposit account. 

* XX/XX/XXXX The check was not received during this time. I started my inquiry with UBS on XX/XX/XXXX, several phone calls happened. It was reported to me that the check had been cashed at XXXX XXXX XXXX ( I do not bank at that institution ) and a copy of the cashed check was mailed to me. 

* XX/XX/XXXX OnXX/XX/XXXX XXXX XXXX Control Officer UBS Equity Plan Advisory Services mailed me a list of instructions to start the investigation. I complied and returned the requested notarized affidavit along with the official police report. Via certified mail I confirmed the delivery of the required documents happened XX/XX/2017. I was instructed to wait 100 days.
* XX/XX/XXXX I was informed by a UBS representative that the investigation being conducted by XXXX XXXX XXXX XXXX was not complete, and that XXXX XXXX XXXX XXXX was requesting an additional period for investigation. I have been informed that nothing can happen until the investigation in completed, and I have not received confirmation that the investigation by XXXX XXXX XXXX XXXX has began.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.

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 10/26/2015 about Debt collection (Medical) with Alpine Credit, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Payday loan () with Enova International, Inc. (OH).
Issue: Can't contact lender

Complaint: Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with TIAA, FSB (ID).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX   XXXX  unauthorized charges went through my account.  XXXX  for {$190.00} &  XXXX  for {$340.00}. I called   XXXX   and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with   XXXX    and it has been proven that I did not authorize the  XXXX  transactions but the supervisors  XXXX  and  XXXX  do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I need the high interest rates removed and lower payments to bring my loans current

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

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 10-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a checking account with CitiBank 1.5 years ago. They immediately started charging me {$30.00} fees every month. I was n't aware that the fees were being charged on my account because I could n't log in online. I called in multiple times complaining about it and they could n't figure out what was wrong. Each time I would ask to make sure there are n't any fees on my account and they told me there were n't ( they LIED ). 

After a year of this, they finally managed to fix my " online profile '' so that I could actually log in and see my account. I discovered {$300.00} in fees charged. I called in to their support center and they waived 4 out of 10 of them. I asked for the rest of them to get refunded and I 've been stuck in a game of phone tag for 2 months now. The phone center sends me to the branch, the branch sends me to the phone center. Additionally, the branch is only open for a few hours a day and on west-coast time ( I 'm in XXXX  ). I finally got the branch to refund an additional 3 fees but the money never showed up in my bank account. I called the phone center again and they have no notes of it ... 

Today I tried to shut down my account entirely but they told me that if I do that then I definitely wo n't get any of my money back.

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