milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Problems caused by my funds being low

Complaint: My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following. 
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black. 
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.

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 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other fee

Complaint: Dear CFPB officers, My complaint is about CapitalOne Venture credit card I had. I had been using this card for about two years. In this first year, it worked well so I continue to use it and paid the annual fee of {$59.00} early this year. But since then, this card became very hard to use. In XXXX and XXXX 2016 all attempts to sue this card were all declined. I call the customer service many times and spent hours on the phone, but they could not resolve this problem. In XXXX 2016 I again was declined. I called the customer service again. This time, a lady named XXXX ( Employee ID XXXX ) tried many ways but I still could not charge to this credit card. Even when she was with me on the phone when I tried to use this card, the problem was still there. Since I can not use this card, I had to close it. But CapitalOne refused to refund me the annual fee I had paid. My point is that I paid the fee for service. Since CapitalOne can not provide the service, they should refund me. After communicating with CapitalOne many times, they still refused to refund. So I have to resort to CFPB for help to get the refund I deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have already reported XXXX as unauthorized. On XX/XX/2018, a new charge came through again on my account after they reversed the charge from 2 weeks ago they resubmitted it again and the bank processed the charge. Again, I have asked them to reissue me a new account and have not heard anything. I also complained about XXXX deducting from my account and told that it would be reversed and have not heard anything but was accessed ( 2 ) OD charges in the amount of {$72.00}. This to me is unfair and unfortunate on my behalf. I need this credited back into my account and no further XXXX or XXXX transactions honored.

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 06-10-2016 about Debt collection (Credit card) with MS SERVICES LLC (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.

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 05/18/2015 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Balance transfer fee

Complaint: Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pleas be advised, I am requesting that XXXX XXXX XXXX XXXX reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] XXXX XXXX XXXX XXXX has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )

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 10-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.

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 04/26/2017 about Debt collection (Medical debt) with Columbia Collection Service, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,   XXXX   017 I  mailed dispute letters along with documents of proof to all  XXXX  credit bureaus,  XXXX ,  XXXX , and  XXXX  regarding  XXXX  collection accounts from Columbia Collections that did not belong to me. On  XXXX   XXXX     2017, I re ceived a letter from  XXXX  ( via mail ) and  XXXX  ( via email/online ) that they resulted in having  XXXX  of  XXXX  collection accounts removed from my credit report. Now mind you, these  XXXX  collection accounts belong to the same person  (    XXXX   ) and the actual person entitled to pay all  XXXX  debts is the same as well and only  XXXX  of the lesser debts were removed. I 've provided legal documents for my dispute, stating I am not entitled to any of these debts because the minor was not in my care at the time.     I 've contacted the collection agency , Columbia Collections , and they stated that I am entitled to pay by law ( If that 's the case why were  XXXX  of the  XXXX  accounts closed ), that they did n't know why the credit bureau is stating  XXXX  of the  XXXX  accounts are closed because it 's showing on their end that I still have all  XXXX  accounts still open and we would have to talk to a lawyer ( but I have a court order stating I am not entitled to pay those debts ). Therefore, the results is that they will not rid my information from any of the collection accounts.     So then I contacted   XXXX   regarding my conversation wit h Columbia collec tions and they stated that the collection company did indeed inform them they delete  XXXX  collection accounts and the  XXXX  one, they were claiming was " accurate ''. I even spoke with a   XXXX   supervisor and he said the same thing and they can not remove anything off of my credit file if the collection agency is claiming they have " accurate '' information and that I would have to deal with the collection agency and get a letter from them stating the  XXXX  collection account is deleted so they can remove it from my credit file or file a complaint with Consumer Financial Protection Bureau.     All in all, My social security was fraudulently and illegally used in the first place by someone who is not entitled to, and Now  XXXX   XXXX  will not remove my information from these debts or the  XXXX  debt and is illegally attaching my name to something I am not legally entitled to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with U.S. BANCORP (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS IS NOT MY ACCOUNT, IT DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Velocity Portfolio Group (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Note a hard pull on my credit report that I did not authorize. Came from XXXX XXXX XXXX XXXX ) on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation