milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (ND).
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: When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report. 
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity. 
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have attempted to make a dispute/access my credit report via straight from the Equifax website as well as over the phone on several occasions. When calling/accessing online I am asked to answer security questions, and when doing so ( on both telephone and online ) there is an incorrect error ( message or automative response ) that is without a doubt incorrect on THEIR behalf. I am unable to even SPEAK with someone from the Equifax department, or chat online, about disputing a FRAUDULANT item on my credit report because I am unable to get past this " fraud alert security screening '' process. This is ridiculous. I am trying to repair my credit score, which is exhausting enough, but when I do so, and I am unable to repair it because the credit bureau has the incorrect information makes the situation seem hopeless. Obviously, I have n't given up yet if I am submitting this complaint with you guys in hope that this problem is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Good Morning, On XX/XX/XXXX I filed to have my loan payment recalculated down from $ XXXX/month.  My documents sat there in the uploads with one part missing and no one told me. It was part of the application that is done through the federal student aid website. When I checked in on XX/XX/XXXX, I was told it was missing, so I added it. I was notified on XX/XX/XXXX that the loan recalculated, but it went up to $ XXXX/month, when it should have went down, as my family size changed and my alimony payments have been cut in half. I called immediately to ask that it be looked at again and am presently waiting on that. 

I do n't believe they are looking closely at the documents I have sent. I sent my paycheck, and my divorce documents. There is information that needs to be teased out when looking at these, like the dates of my alimony payments, which were to be $ XXXX/month starting last XX/XX/XXXX, and then go to $ XXXX/month nine months later. So as it stands, my alimony payments will be {$500.00} each month for the next 5 months, and then they will stop. This will add {$2500.00} to whatever they use as my base salary. I make {$32000.00} annually at my job, and I have started to work some overtime. This means that My base income will be {$34000.00} base pay until I re-certify a year from now. 

Travel reimbursement somehow gets lumped in to my gross on my check, so that needs to be scrutinized by someone who knows how to read a paycheck. I do n't know if they take into consideration what I would make after standard deductions on a tax form, as I am not using a tax form to recalculate, and they would n't tell me the numbers or formula they use to recalculate. If they tease out travel, and add a standard deduction of {$6300.00}, and 150 % poverty for a family of XXXX {$24000.00} ( which is the number I suspect they use to calculate though they will not confirm ), my discretionary income comes down to {$4100.00}. % 15 of  {$4100.00} divided by 12 brings me closer to $ XXXX/month. 

I need them to recalculate this correctly and be a little more transparent about how they calculate. I need to know they are using the correct numbers and looking at the documents I send. If they are not using the numbers I have used in the previous paragraph, I need to understand why. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid my payment for XXXX on XXXX/XXXX/XXXX. Since XXXX was coming I decided to pay my XXXX payment early, which was on XXXX/XXXX/XXXX. I received a email on XXXX/XXXX/XXXX saying I havent made my XXXX payment and had a late payment. I called customer service to find out what was going on and they said I had not paid my XXXX payment. I said yes I did, I paid it early. The gentleman said due to the billing cycle my payment on XXXX/XXXX/XXXX didnt show for XXXX XXXX payment. Therefore, I will have to pay {$300.00} on XXXX XXXX to get everything on track. That includes late fees. I was not late and never have been late. I paid it early and they faulted me for it. They made a complaint, but I was told nothing will change. If I dont pay {$300.00} on XXXX XXXX, I will continue to be behind and accrue late fees. And my credit will show default and that is not right. I pay my bills.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Student loans dates and amounts as followes Date opened XX/XX/XXXX amount for XXXX Date opened XX/XX/XXXX amount for XXXX Dated opened XX/XX/XXXX for amount XXXX Date opened XX/XX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Medical) with JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: my wife called hoosier accounts to ask about a paid judgment. hoosier accounts stated they had no record of paid debt then hoosier accounts decided to tell my wife about a unrelated debt and amounts supposedly owed. I did not give hoosier accounts permission to discuss any account information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Community Cash Management Corp. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To : Whom it  May  Concern, I had a bill from  XXXX  of a total of {$610.00}. I have the receipt of payment that shows I have paid the full amount. The amount of {$610.00} is currently open on my  XXXX  Credit Report. The status should be shown as closed. I have reached out to the  Collections Agency , as well as,  XXXX . They insisted they will close it the day I call, and it still remains open. I have no other choice, but to contact you. I am applying for a house loan, and it is imperative this amount on my   XXXX   shows a status of closed. I would like the assistance from your agency to handle this matter. At this point I have tried every possible communication with them with no help. I had made payment of total amount on  XXXX / XXXX /  XXXX  .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Student loan (Private student loan) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: AES keeps stalling on account XXXX XXXX XXXX to process and give student loan information requested. AES has currently still not provided me with the details that I require to process information. AES still has not provided proof that I took out the Loan, that the entity has the right to collect on the loan, and that the amount of money that the entity claims I owe is the proper amount. AES has not provided me with the paperwork and they continue to stall with their underhanded tactics. I ask that you make them provide the consumer with the information requested before proceeding further.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I attended classes at XXXX during the fall of 2014. I had asked to be dropped from my online classes due to issues with the courses. I am now being contacted by National Credit Management with threatening calls for a XXXX debt they say I owe. I have asked for verification of the debt 3 times to mailed to me and have not received it. They have left threatening messages and hang up on me when they call. They are threatening my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/20/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Checking or savings account (Savings account) with SANTANDER BANK, NATIONAL ASSOCIATION ().
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.

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 08/28/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Savings account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.

Company response to consumer: Closed
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bay Area Receivables, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.

Company response to consumer: Closed with explanation