milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the 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
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX   XXXX    does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since    XXXX   XXXX     . Much to my surprise I received a letter from   XXXX   XXXX    advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too "  XXXX  '' to use their website. I have been belittled because my "  XXXX  '' culture makes it impossible for "   XXXX   '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise  XXXX  that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _  XXXX  says its all in the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with United Consumers Inc (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls & hangs up. When I called to address them calling & hanging up, the representative hung up on 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 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.

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 04-08-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my mortgage with Bank of America, loan number XXXX, property is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was discharged in a Chapter XXXX bk XX/XX/XXXX, the mortgage was included in the bankruptsy. The bank was to stop reporting the XXXX bk was dismissed. I shortsold the home for them after many attempts to modify the mortgage XX/XX/XXXX. XXXX issues XXXX the bank admits they was to stop reporting the mortgage XX/XX/XXXX, however continued to report until XX/XX/XXXX, they need to correct that with the credit vendors, they are well aware of this as they admitted it to me on the phone, yet have not corrected. Second issue is they have the home as a foreclosure in XX/XX/XXXX? It was not it was discharged in a bk XX/XX/XXXX, it shortsold through their shortsale dept in XX/XX/XXXX. This is damaging my credit as they have incorrectly reported it. I lost my job through the financial meltdown and had to do what I had to do. However due to their errors in not reporting the facts on my credit they are continuing to hurt my credit and cause me harm. I want it corrected immediately. I do n't want calls from them telling me they are working on it, I want it corrected. Its their fiduciary responsibility to report the affore mentioned events correctly and they need to be held accountable and get it right! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.

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 11/20/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has limited options to lower loan payments for students. They students to pay a fee before they help lower your payments. They are unwilling to have a debt to income ratio for lowering your payments. They bully people into making payments they can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: APR or interest rate

Complaint: Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with GC Services Limited Partnership (DC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Left a voicemail for me to return their call and reference a case number in regards to my sister. Upon researching the number discovered its a debt collection agency, which they did not disclose in the voicemail. Says it is GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Medical) with H. Kent Hollins, Attorney at Law, P.A (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been garnished for a bill for {$290.00}. I never received any papers. Then after {$290.00} was paid now another that I know nothing about for {$500.00}. Out of my check was {$31.00} and {$100.00}. I 'm a XXXX and work a part time job supporting a child and I was never informed about these garnishments. Had to get information from job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I should qualify for the Public Service Loan Forgiveness program but I do not because Navient ( then XXXX ) only gave me the option of consolidating my loan as a FFELP consolidation, which does not qualify for the PSLF program. That was in 2008. Two years later, I contacted XXXX to inquire about re-consolidating my loans and was told that re-consolidation was not possible. Apparently, that was false since I could have consolidated under Direct Consolidation, which would have qualified me for the PSLF program. After reading articles in the XXXX and stories by other borrowers posted on the CFPB website, I now suspect that Navient coerced borrowers into consolidations that they knew did not qualify for loan forgiveness programs as a way of extending the life of their loan portfolio and continuing to collect interest on those loans beyond the 120 payments required for the PSLF program. I ask that CFPB investigate whether Navient did this, and if so that CFPB add this complaint to their recently filed lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is XXXX XXXX XXXX 2nd one is XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at XXXX XXXX XXXX discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. Transunion is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.

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

Complaint: Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (KS).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (I do not know) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO XXXX YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY!
2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN

Company response to consumer: Closed with explanation