milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: 1. We are a licensed Money Transmitter in the state of FL. 

2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 

4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 

5. The letter states that our account will be closed in 10 days. 

6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 

7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 

8. At the time of closure, the balance in the account was {$13000.00}. 

8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 

9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 

10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 

11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 

12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.

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 03-08-2017 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.

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 10-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD

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 03-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with ERC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite an account being closed for over a decade, Wells Fargo Home Mortgage is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 7 years old and must be removed from my credit report.

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 07/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was charged a late fee of {$3.00} for the month of XX/XX/XXXX. This fee was paid on X/XX/17. On Monday, XXXX/XXXX/XXXX I called and spoke with a manager ( XXXX ) at extension XXXX asking the fee be removed. XXXX checked my payment history and verbally confirmed over the phone with me that the late fee of {$3.00} had been paid ( in XX/XX/XXXX ) and he was unsure why it was still on my account. XXXX stated he would put the request through and have the {$3.00} fee removed and my account current again. He confirmed he would call me on Wednesday ( X/XX/17 ) to confirm this was taken care of. On Thursday, X/XX/17 I followed up to speak with another manager only to be informed they are not removing that late fee of {$3.00}. I have paid above and beyond the late fee of {$3.00}. My monthly payments are {$60.00}. You will see below my payment history and how in-fact the late fee of {$3.00} has been paid. On X/XX/17 I made 2 payments of {$67.00} ( this covered the XX/XX/XXXX late fee of XXXX and covered and ensured that XX/XX/XXXX was paid on time ) On X/XX/17 I paid ( on-time ) {$63.00} when I only owe {$60.00} each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (NV).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...

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 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with EQUIFAX, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX Inquiry from XX/XX/XXXXand XXXX XXXX  Inquiry from XX/XX/XXXX. I had reported int to XXXX  and Equifax, because somebody put it on my credit report. 
Also I had a derrogatorry mark from XXXX Opened XX/XX/XXXXthat I had paid in full, and I reported it to Equifax, and they didn`t tooked out of my credit, even I hd paid it in full. I had called them many times, but they hold it in my account. 

Also, I would like to report that I paid my student XXXX in full and still my credit said that I have a debit for {$3200.00}. nd that is from the 3 boreau credit!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I have disputed the accuracy of my credit report to Transunion, XXXX, and XXXX on XX/XX/XXXX again XX/XX/XXXX And again on XX/XX/XXXX. There are reports of 2 bankruptcies and a collection from a company named portfolio recovery, that are not reported accurately and are not mine. Each time I disputed these items the credit reporting agencies said they were verified, I requested them to send me proof of signature or account numbers to verify the validity of these accounts being mine and their response was they do not have to send me proof that they verify item through automated service. I told them I do not consent to XXXX   or any other automated service because that is not proof of validity. This has caused a serious threat to my credit and livelyhood. I contacted the U.S. bankruptcy court and they said they do not verify anything to the credit bureaus. It is a violation under the fair credit reporting act to put derogatory marks on my credit report without verifying that information. I have made several attempts to rectify this situation. After filing this complaint pending outcome I will file a small claims suit against these 3 credit reporting agencies for defamation, negligent enablement of identity fraud and violations of the fair credit reporting act.

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX @ XXXX EST I spoke with XXXX  at SLS ( Specialized Loan Servicing ) & requested a copy of my complete mortgage payment history on my account. XXXX advised me that it would take them 1-3 days for them to process the request & 7-10 business days for me to receive it. On XX/XX/XXXX @ XXXX EST on my THIRD attempt ( transfer/disconnect on 1st try, transfer/transfer/on hold forever on 2nd try ) to speak with someone @ SLS to find out the status of my request I finally spoke with XXXX ( ID # XXXX  ) who advised me that on XX/XX/XXXX the document I requested was mailed. On XX/XX/XXXX@ XXXX EST I called again & spoke with XXXX ( ID # XXXX ) and advised him that I still had not received the document he advised was mailed on XX/XX/XXXX. He advised me again that it was mailed on XX/XX/XXXX. I told him that I want another request put in to mail me my complete mortgage payment history & I want to speak with a supervisor. He put me on hold & told me that he has escalated my request to a supervisor ( XXXX ) as well as that department ( sometimes SLS refers to it as the customer resolutions dept & other times SLS refers to it as the customer support dept ) & will have them re-send. He advised me to call back tomorrow before XXXX   EST ( XXXX  would be leaving at XXXX their time ). On XX/XX/XXXX @ XXXX EST I called & requested to speak with XXXX in the customer resolutions dept. I explained to XXXX ( ID XXXX ; XXXX   works for National Bankruptcy Services - she advised me that this company answers all of SLS 's calls & try to help people as far as they can ) that XXXX sent an email to XXXX & I want to speak with XXXX. XXXX  advised me that she would put me on hold & would check on me periodically to make sure I was still there until she got a rep from SLS on the line. The next person who got on the line was XXXX, I explained to her that XXXX sent an email about my situation. XXXX said she works in the customer support dept & that the only XXXX is in her section. She said she would walk over to see if XXXX was available. When XXXX returned to the line she advised that XXXX was in a conference & not available. She advised me that XXXX told her to let me know that she would call me back by the end of the day. I advised her that if I did not hear back from XXXX  by the end of the day I would be filing a complaint with the CFPB ( your agency ). I have since given them THREE more days to call me back & to date, no calls & I still have not received the requested document in the mail.

I have the phone calls from XX/XX/XXXX & XX/XX/XXXX recorded on an app called callX

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 02/24/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: APR or interest rate

Complaint: I own a Macys/star rewards credit card. The card carries an interest rate of 25.74 %. I recently had a balance of {$340.00} on the card. Macys received payment of the balance in full on XXXX/XXXX/17 per my XXXX credit statement. On the same statement, Macys charged me 25.74 % interest on XXXX/XXXX/17 on a balance of {$300.00}. They added the interest total to new purchases ( made on XXXX/XXXX/17 ) due on XXXX/XXXX/17. I called Macys to question why they would charge me interest on a bill amount that was paid in full before interest was accrued. XXXX, the Macy representative, I spoke with on XXXX/XXXX/17 @ XXXX CST, told me she would immediately remove the interest from my account and I should wait a few days to see the credit. This is actually the second time Macys has charged me interest on a XXXX balance. When I called to complain the first time, which was 3 years ago, I was told it was a " computer glitch '' and I was credited. My complaint is if I do n't call to complain, Macy overcharges me in interest. They are aware of the computer glitch problem and I do n't believe I am the only person they are overcharging, I am just one customer that is paying attention to their bill.

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 01/21/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.

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 11-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled XXXX in XX/XX/XXXX and sent back the box to them. After this date, I was charged for services that I did not receive and was charged for the box which I returned to them. Two debt collectors have reported this information incorrectly to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.

Company response to consumer: Closed with explanation