milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing them.

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 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (DE).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Chase Bank repeatedly calls my OLD place of employment and have been told MANY times to STOP calling as I am no longer employed by that company and the fact that it is the front desk of a busy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: FedLoan is failing to follow the FCRA section 623 ( a ) ( 2 ) ( a ) and 623 ( a ) ( 2 ) ( b ) in reporting the status of my student loan to the credit bureaus. I have disputed this with all credit bureaus numerous times, as well as FedLoan, the Ombudsman 's Office and the XXXX XXXX XXXX XXXX XXXX and have gotten nowhere. They have all closed my disputes and failed to comply. 

My FedLoan account was granted a General Forbearance for the following time periods : 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 However during these periods of time, my account has multiple late payments reported on my credit reports. These range from 30-day lates to 120-day lates. FedLoan is claiming that since some of the forbearance statuses were granted retroactively to cover time periods that were 'Past Due ', that this exempts them from updating my credit file with the forbearance information and in turn " exempts them '' from removing the late payments on my credit report in exchange for the updated forbearance status '. 

However, the FCRA explicitly states any furnisher must take all steps necessary to ensure accurate reporting, and according to section 623 ( a ) ( 2 ) ( a ) ( b ), furnishers must also " correct and update '' information that has previously been reported but has since changed. In this instance, my FedLoan account that was granted forbearance statuses must also be updated to reflect this change. 

FedLoan is citing FCRA 623 as its excuse for not updating the information. However, they are also in direct violation of it. There is no clause in the FCRA that excludes Forbearance statuses from the 623 ( a ) ( 2 ) ( b ) rule. It, like any other piece of information that changes, must be corrected, updated and reflected on credit reports as per the FCRA 's explicit writing. 

Please assist as every one of my disputes has been denied or ignored. My only next step is to sue for damages and corrections to my credit report, which I 'd rather avoid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX day I typically receive about XXXX phone calls during work hours from a " No caller ID '' number. In the past I have answered while on break from work and learned that it was from Comenity Bank. I have agreed to make payment on the late accounts on XXXX XXXX when my next check clears and they are still continuing to call me at the rate of XXXX calls per day from the same " No Caller ID '' number. I have asked them to remove my phone number from the account and yet I still receive calls. I have not disputed the debt and have told at least XXXX people what my personal situation is. After having been a credit consumer of each account for at least 2 years and this is the first time I have ever been late, the harassment of several phone calls a day with no call back number sincerely has me thinking lawsuit. Especially since I now work for an XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (MI).
Issue: Charged fees or interest you didn't expect

Complaint: I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of XXXX

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 06/16/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (OH).
Issue: Using a debit or ATM card

Complaint: I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account. I have never dealt with this company that they are reporting to my credit report and they did not prove this was me. They simply said that they verified it. How? I never gave my information to this company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Managing the loan or lease

Complaint: My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX bought debt from a delinquent medical bill account that had been closed for years. They reported this bill in their name as delinquent so now it is showing up on my credit report twice. The original company, and their debt - which is the same debt. This caused my credit to plummet out of nowhere resulting in a chain of credit companies I'm actively using lowering my limit, thus effecting my credit more. I have been working for the past 5 years to bring my credit score up. XXXX XXXX has ruined this hard work. 

The claim that I owe them this money is absurd and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I got notice of a judgement from a company called XXXX , XXXX about XXXX years ago for a bill that I had no idea what it was for but by the time I was served with any information they already had a judgement and garnished my wages for the full amount until the bill was at a XXXX balance. I did dispute the bill years ago but it remained on my credit report anyway but as of XXXX XXXX 2016 I just got a notice saying they were trying to sue me again for what i assume is the same bill but still with no explanation of wha the debt was. I paid the bill without knowing what it was for because my wages were garnished but now its come up again. I do not want this to affect my credit for another 10 years especially since they are billing me out of the blue, years later and again ... I have NO KNOWLEDGE what the bill was for.

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 01/18/2017 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Stearnes Lending continuously posts my payments 15-18 days after they receive them via ACH through my bank 's bill pay.

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 06/28/2017 about Mortgage (VA mortgage) with BANK OF THE WEST (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.

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 06/17/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have  XXXX   XXXX   XXXX  on my credit report for  XXXX  on my credit report from 3 years ago.  XXXX   XXXX ,  2014.I never heard of them or have any idea what this is regarding.

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 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING REGIONAL XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX XXXX REPORTING XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX

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