milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: SunTrust bank did not pay out the SunTrust deals.

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 07/22/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Discover XXXX XXXX XXXX, XXXX, DE XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Discover, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.

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 06-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Problems caused by my funds being low

Complaint: Wellsfargo hit me with over XXXX overdraft fees and excess account fees within XXXX months. I called to see if they would be able to reimburse any of the fees back to me and was unsuccessful. They could n't help me. I even asked to close my bank accounts and customer service told me to call back tomorrow.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: Santander Bank did not process and route check properly, Santander Bank did not present check to Federal Reserve, Deposited on XXXX/XXXX/2016. Returned check with unauthorized marks Frozen/Blocked Account. Spoke with XXXX, she refused to honor the rights of a substitute Check Warranty.

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
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other fee

Complaint: Citibank guaranteed an annual fee refund when I downgraded my Citi ThankYou Premier card ( which carries a {$95.00} annual fee ) to a Citi ThankYou preferred card ( which carries no annual fee ). Despite several attempts to contact, and request my refund, they refuse to respond.

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 12-03-2016 about Consumer Loan (Vehicle loan) with COMMERCE BANK (CO).
Issue: Managing the loan or lease

Complaint: I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. 

When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. 

Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. 

I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with Metro Collection Service, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Metro collections has contacted me at my place of work at XXXX and my employer about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I initially received an Old Navy store credit cards several years ago. At the time I opened my account, I managed my account online using the username : XXXX. My account was then transferred to a Visa issued Old Navy card. My store credit card account was closed. My Visa issued account was maintained and managed through the username XXXX. I have always paid my account online and relied on online access to view my account. In XX/XX/XXXXof this year I reported my card lost and was issued a new card, but was still able to access my account via the username XXXX.
On or around XX/XX/XXXX, I attempted to access my account to make a payment. I logged in using my username XXXX and the information regarding my Visa account was gone. I did not receive a paper statement. In fact, I received an email indicating my statement was available online using my login, which was false. I contacted Old Navy using the online chat service and was told I no longer had access to my account. The explanation being only one account could be associated per username. I asked why my active account would be removed and not my closed account. I asked them to resolve this issue and was provided no assistance. On XX/XX/XXXX, I again received an email notification to access my statement online. On XX/XX/XXXX, I attempted to access my account online and again found no information regarding my account. I was given no explanation as to why I had not received a paper statement if my online access was blocked or why online access to my account had been removed. I was given an ultimatum that the only way to make a payment - despite not receiving a statement - was via the phone.
Old Navy 's acted in way that was fraudulent by removing online access to my account in effort to collect late fees and increased interest charges ( due to an increase balance ) that would otherwise not be entitled to. They removed online access without warning and explanation and failed to remedy the situation such that I received paper statements in the mail. They knowing impaired my ability to review my statements and make on time payments.

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 01/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Bank of America 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: I deposited a check into my Bank of America Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from BOA that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally BOA charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called BOA who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help 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 monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

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