milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the  month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.

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

Complaint: My loan amount are inaccurate and when I attempt to enter into an income based repayment plan, it reports my loan balance is {$XXXX}. I have been trying to enroll in an income based repayment plan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with SUNTRUST BANKS, INC. (MD).
Issue: APR or interest rate

Complaint: I took an offer for a balance transfer with Suntrust Bank that ended on the XXXX. 
At the closing date of XXXX/XXXX/16, I had a balance of {$1000.00} and I called Suntrust to check when they will begin to assess finance charges. I was told by the bank rep that as long as I paid off the balance by the next due date of XXXX/XXXX/16. I will not be assessed a finance charge, which I did. 
However, I was sent another promo offer with convenience checks, which I did apply for in XXXX 2016, and from then, I was being assessed finance charges, even though, the previous balance that ended on XXXX was paid off. The bank rep XXXX XXXX said that they had applied all XXXX payments that I had made from XXXX 2016 to the balance with the lowest APR, which was the recent balance transfer, and this is why they were charging me finance charge on the {$490.00} balance of the first balance transfer that should have been paid off with the XXXX payment of {$590.00}. 
I am looking for them Suntrust to credit my account back with all the finance charges starting in XXXX 2016 to recent and not to charge any finance charges on the current promotion that I have.

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 05/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a packet from the FTC and in this packet was an identity theft information packet and in this I turned to the page about reporting identity theft to a credit bureau, and on this page it states that if I submit my affidavit and police report and the bureau accepts it then they have 4 days to block the information or they can reject it and notify me within 15 days to gather more information. Since I never received any rejection letter or communication asking for more information, I conclude that Equifax accepted my affidavit and has broken the law by not blocking the information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The Bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred Credit This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information 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 09/13/2015 about Debt collection (Credit card) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AQUA FINANCE, INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. 
What can i do? i can not afford to lose my job by their calls.

Company response to consumer: Closed
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made multiple attempts to retrieve documents of a loan file of a line of credit agreement involving XXXX XXXX XXXX XXXX which CHASE informally purchased in XXXX of XXXX. 
In XXXX of XXXX a straw man account made in my personage was created to borrow monies in which the borrower straw man inflated the value of the home, concealed the line of credit loan and benefited from the transaction leaving me with the debt that was informally purchased by CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AL).
Issue: Struggling to pay mortgage

Complaint: My house was sold in a foreclosure sale, while I was trying to work out a Workable Solution with CitiMortgage. I contacted with the foreclosure team a CitiMortgage, I had several Homeowner Specialists every time I sent in some paper work. I would have to explain my situation and hardship all over again. My mortgage fell behind when I was injured on the job, forced to resigned from my position by my employer. I had been waiting on Justice, praying everyday that my case would be solved before I went into foreclosure. I filled out an application, CitiMortgage sent me the wrong application, they were fully aware I would not qualify for a HARP loan. I was trying to get some homeowner assistance, that would give me short term help. I receive a letter from CitiMortgage stating I had to get my paperwork to them by XXXX XXXX. XXXX, I faxed the information back to them, on XXXX XXXX, XXXX there was a XXXX XXXX letter on my porch, inside it read, I had been denied, along with other reading that did not apply to me. I will fax all information to your office. 
I contacted XXXX XXXX, a company Director, because I was confused as to what was going on, Later another Homeowner Specialist contacted me, but, they kept playing phone tag. Every time I would call they could not take my call, they state that they would call me back, I would have to call them back or they would not have the information needed. The homeowner Specialists did not try to help or give me options to keep my house. I have been in this house for seventeen years and I am XXXX years old, I do n't know how pack up my stuff and look for somewhere to go. I am just sitting on edge now.

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 08/18/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: There are XXXX issues, I will describe them separatley. 
The XXXX issue, CarMax XXXX XXXX has called multiple times in the last year, they would leave a message and when I didnt return the call right away they wouild continue to call my cell phone multiple times in the same day. Perhaps they were using and auto dialer, I 'm not certain but in any case I think it 's illegal to leave a message and then call back the same day. 

The XXXX issue,, my account is past due I 'm aware of that. I spoke with CarMax XXXX XXXX XXXX times on XXXX, I explained my situation and scheduled a payment. At that time I was assured that if I paid a payment before the account went past 84 days they would work with me and not send the account for repo and be willing to work with me to bring the account up to date. 
I scheduled the payment with my debit card for XXXX, they assured me this was ok. The payment was deducted from my account on XXXX as promised. 
I received a letter from CarMax XXXX XXXX dated XXXX and delivered on XXXX that my account has been referred to the repo department.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXXI only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

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 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report. 
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report. 
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: The company keeps reporting me as late but i have asked them to Close this account in XX/XX/2014 as i can not pay it yet they still ahve not closed it and charged it off as asked.

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 09/19/2017 about Debt collection (I do not know) with Meridian ARG Inc. (NH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with DISCOVER BANK (NH).
Issue: Advertising and marketing

Complaint: Discover Card advertised to customers that they would provide a 10 % cashback if consumers added their cards to XXXX and used it through the end of 2015. They did not list any exclusions on products that could be purchased in the terms that were provided to customers, but are now claiming that they are excluding gift cards and are refusing to honor the original terms that they provided. Even after emailing Discover Card to ask them to honor the original terms, giving them an opportunity to correct this blatant false advertising and deception of customers, they refused. 

These were the original terms : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. " Discover, after the effective date of this offer, and without contacting customers, changed their website to a different set of terms to add this exclusion after having promoted the original ones : '' Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MS).
Issue: Taking out the loan or lease

Complaint: I financed a car with Ford Motor Credit, bought XXXX insurance and had a Debt Cancellation Waiver, I lost my employment ( single parent, XXXX income family of XXXX ) and could no longer afford a $ XXXX monthly payment. Called for help with payment reduction or a re-fi or a temporary payment reduction with an monthly amount i could pay, they declined that amount but offered something that was still above my means without employment but was less than original so I accepted. With the lowered payments and extended term they removed the XXXX insurance and the amount to be re-paid for the {$31000.00} vehicle purchased in XXXX 2011 went from over $ XXXX to almost {$70000.00}. After XXXX years of paying for car I was once again unemployed due to health issues of my own and my son who suffered a life altering accident in 2011 and has XXXX. Ford was no longer willing to work with me, after i had paid in over {$62000.00} on the loan that had a 8.9 % interest rate ( began at 8 % but 4 weeks after taking delivery of car I was called and said Ford just underwrote the loan and my father, co-signer, and I had to resign paperwork which took the interest rate up, and the note went from $ 620 monthly to over $ 711 monthly ) I voluntarily surrendered the car. The car could n't be sold because after paying over {$62000.00} I still owed over {$24000.00} and the highest resale value was {$14000.00}. I cleaned out the car and left keys in it for recovery company to pick up, I have never had a car repossessed. After Ford sold the car for {$9900.00} they sent my dad and me a bill for over {$14000.00} for the difference. I worked out a payment plan with Ford but missed one month 's payment and rather than call me they turned over to atty who is now seeking {$17000.00} and is suing me and my XXXX father and will get a judgement to garnish XXXX our wages, put leins on my dad 's assets and anything else they can attach in the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Last year citibank offered a promotion for XXXX thank you points to open a citigold checking account. I understand it was a targeted offer and chatted with a representative before opening an account to verify that I was eligible. Upon verification, I opened up an account and received confirmation of the promo code via secure message ( attached ). When I completed the requirements for the promo bonus, I sent another message to confirm and was told to wait until 90 days after statement closed in XX/XX/XXXX. XX/XX/XXXX, i sent Citi another message inquiring about the status, since its been 90 days and no points were deposited into my account, and was informed that I was not eligible even though I had previous communication stating I was.

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 06-10-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit line increase/decrease

Complaint: Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you

Company response to consumer: Closed with explanation