milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.

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 10-09-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My previous auto financing company is reporting a charge off that is negatively affecting my credit report. I have always disputed the validity of this debt. Recently, I was awarded a class action settlement against this auto financing company for discrimination in auto financing. I believe that this debt was a direct result of the companies discriminator lending practices and I would like this negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have both Federal and Private loans serviced through Navient Navient recently changed its website, around the same time I got a new checking account through a new bank. I set up automatic pay using my new bank information. A month later I found out that the auto pay went effective for the private loans but not the federal loans. When I called them in XXXX 2016 they simply gave me a forbearance and reamortized the account and the representative told me that everything was taken care of and that autopayments would begin with my XXXX payments. Now, I got a notice that my account was two months past due. I called and told them I took care of auto pay in XXXX and it still is n't working. They had me do something different this time, going through their old website and set up auto pay. I did that and the representative confirmed that it went through but the application had an auto- matic provision for forbearance of the two months late. In addition, I have been getting emails soliciting forbearance from Navient. I thought it was just spam but it makes me wonder if Navient is not having issues deliberately to reamortize so that consumers are paying more in interest over the long run. this is now the second time that they have reamortized my account. I would like this looked into to make sure that this is not a wide spread practice. No option to pay the outstanding amount was given to me in order to have the auto pay effective and they were quick to just have the account reamortized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Emerald Coast Collections, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Did n't get score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My son is XXXX years old and he lost his debit card. At that time he did n't have any money on his account, when he told me he lost his card i said there 's no money in it. my understanding debit card works when you have money in the account. When we open the student account with Chase, they said for student account we can not withdraw more than {$400.00}. After couple of days of losing the card we received a letter with the image of the fraud check my son 's name was spell wrong, signature was not my son signature, and the come from a company from New York and my son does n't have any connection to New York. IF IF my son did this check for deposit how come he CAN NOT write his own name correctly. Please check the deposit slip. This withdraw happened on XXXX for {$750.00}. And i was questioning the dispute department of Chase bank how come i have not received any alert from you guys since we signed for it, so the account drop to XXXX and also XXXX as returned check. After 2 days another withdraw fro ATM for {$1700.00}. Up to now the account has around -2500.00 and I have NOT received any kind in from and alert from bank. Meanwhile Chase freeze my account to have back up and they want to take the money from my account. I 'd like to compliant Chase bank since they did not follow the agreement, they did n't sent any alert, withdraw more than {$400.00} and denying my case after hours and hours on discussion the phone. we talked on the phone on speaker my son said these transaction are Not valid but they are saying he said IS valid when my son asked if I said, I want hear my voice but they said, '' sorry, we ca n't do that ''. I really do n't know what to do. Please Advise. Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/XXXX. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX  's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!

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 03/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Attended University of XXXX for two years. The university charges roughly XXXX a quarter. I requested loans through XXXX XXXX which is now bought out by Navient. Instead of charging interest on the whole amount, they charged each quarter as an individual loan and taxed 9 % interest on each. I also have a loan through XXXX XXXX XXXX 's which is not near as bad as XXXX XXXX. They allowed us to pay interest only payments but it still added up to XXXX just for interest. Now we are paying full amount of XXXX. We are XXXX military. My husband has been XXXX. His name is not on this loan but it greatly prohibits are finances and we are unable to visit family or live comfortably as a military family.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was suddenly starting to see {$10.00} charges as of XX/XX//2017 without any notice from Wells Fargo credit cards when I purchase from XXXX. I don't have a problem being charged fees but I do have a problem when I am not notified and can not change my consumer behavior. I would not have made a {$18.00} purchase if I knew it would generate a {$10.00} fee.

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 09-05-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt is almost 3years old yet they continue to remove and replace with incorrect dates so that the debt always looks like a new collection. I attempted to pay them years ago but gave up due to there collection techniques now they use improper methods to destroy my credit. I 've had to live with this on my credit for years but it is uncalled for for them to remove it every so often so they can make it look like new debt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with United Consumers Inc (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..

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 08-01-2016 about Debt collection (Auto) with TIDEWATER FINANCE COMPANY, INC. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Tidewater financial sent a text on XXXX XXXX at XXXX. They sent another text at XXXX on XXXX XXXX. The vehicle has been deemed a total loss and has been paid out by insurance company. There should be no deficiency on the loan that we are aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I received an offer in the mail from American Express for {$250.00} Cash Back after spending {$1000.00} on the card within 90 days to apply for the XXXX card. Offer expired XXXX/XXXX/2016. I applied XXXX/XXXX/2016 ; was approved - spent over {$1000.00}. I received credit of {$100.00}. I have the offer which does n't state anywhere a code needed to be entered. I do n't rememer there being a field or asking for a code. I 'm told by AmEx customer service they would have pre-filled in a code. My complaint is this is deceptive advertising making me believe that since I was applying for the card described on the letter in my name I would receive {$250.00}. Deceptive as I was n't told on the letter I needed to enter a code - and in addition not being asked for a code. I 'm told by AmEx they ca n't change the promo - nothing can be done. I plan to file a legal complaint, if they do n't honor their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank charged overdraft fees  XXXX  $ from my account.
 XXXX / XXXX /2017- XXXX  $  XXXX / XXXX /2017-  XXXX   $ I complained right away but, bank say   XXXX   XXXX   check cleared my deposit was   XXXX   XXXX  .
Also ATM machine (  XXXX  branch ) bite my debit card when I cash deposit.
I have to wait untill next day to see bank teller at the window.
I remember I had very very hard time at a moment to make chance to call and visit the branch for deposit the money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I just received an email saying I owe {$640.00} and a payment is due XX/XX/XXXX.  There is a BIG problem! I do not owe any money to Capital One. XXXX and XXXX owes {$640.00} to Capital One. The last time I heard anything from XXXX XXXX. about my case was XXXX XXXX or XXXX. In the letter they sent me was letting me know that it could take 90 days to sort things out with my case. I have not heart from XXXX XXXX since. On XX/XX/XXXX, I disputed the {$640.00} charge because the XXXX products ( XXXX 4k Blu-Ray Player ) I bought from XXXX was supposed to come with {$1200.00} worth of FREE 4K movies. I had never received {$1200.00} worth of FREE 4K movies that was advertised at XXXX and XXXX. When I tried to return the product to XXXX, XXXX told me that " You can not return the player, you can only exchange the player because of Copy Right Laws. ". I contacted XXXX about the movies and they refuse to do anything, I then contacted XXXX about it and showed them the email XXXX sent me and XXXX told me I need to contact XXXX. I then Filed an complaint with the BBB against XXXX and XXXX. XXXX refuses to do anything, XXXX still refuses to do anything and tell me I need to contact XXXX. XXXX had closed the case or cases because they refuse to do anything. How is it my fault when XXXX and XXXX committed fraud?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with KEYCORP (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You

Company response to consumer: Closed
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX keeps calling here for the person who previously had this number. I have told them several times to stop calling ( on the phone and sent emails to the company through their website ), the person they want is not here, and they can research to find her new phone number on the internet and then call her like I did. 

They wo n't stop. Can you do anything to help. I 'm sick of this and my next step is to get an attorney to file a cease and desist claim with a lawsuit for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation