milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Credit card () with SUNTRUST BANKS, INC. (TN).
Issue: Other

Complaint: I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years. 

help! 

best, XXXX XXXX, TN

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You

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 05-01-2017 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (IL).
Issue: Taking out the loan or lease

Complaint: On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Medical) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (MN).
Issue: Account opening, closing, or management

Complaint: Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The bill should only be XXXX. XXXX in XXXX, FL stated a payment was late and added a {$50.00} late charge. DO Not Let Your Kids move in those apartments. This is a bad place for students to live. Please have them to give you a detail of payments from my son account. Never late paid 4 months in advance. I tried for 3 months to speak with someone in management. This is 3 hour away from where I live. I never received a call back. They have students running there office. I will pay the amount that is owe of {$92.00}. I have a credit score of XXXX it dropped toXXXX do to this. Please remove off my credit until this dispute is settle. You should look into XXXX adding extra on each bill. Please look into this matter so that I can settle it once and for all! Thank you for your time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Consumer Loan (Personal line of credit) with LENDMARK FINANCIAL SERVICES (OH).
Issue: Account terms and changes

Complaint: I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company has not provided me with billing statement and description of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XX/XX/XXXX I was forced into an automatic debit setup with Navient to avoid negative reporting with my student loan. They threaten me with credit reporting issues and although I advised I couldnt pay, the rep made me feel like I had no choice. I was advised that the only way they would work with me was to setup automatic debits from my account which range from $ 80-89! although I was given a set amount, they never debit that set amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently requested a investigation on XX/XX/XXXX and XXXX XXXX received on XX/XX/XXXX via certified mail.I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that XXXX continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with XXXX and the results was the information was accurate. I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via XXXX. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the XXXX agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX has yet to verify. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Letters regarding inquiries found on my credit were submitted  XXXX  on  XXXX , and Equifax on  XXXX .  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from Equifax nor an update.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Having issued with the  XXXX  credit bureau 's.  XXXX  place a Fraud Alert on my credit account. I contacted   XXXX   via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted Experian and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted   XXXX   again requesting the removal, I was giving a case number of  XXXX  and a conformation number of  XXXX  stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until  XXXX  remove it. Contacted   XXXX    again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on   XXXX   XXXX  ,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from Experian and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told   XXXX    and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17

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 07-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX vs 21st Mortgage UNFAIR BUSINESS PRACTICES ( Nevada ) Fraud Upon the Court - Foreclosing Foul 21st Mortgage, apparently a " foreclosure mill '' is now unethically FORECLOSING, XXXX XXXX 2016 STOP THEM! They received an application after agreeing to review it. They received it more than the seven days prior to foreclosure they told me on the phone. If they meant " business days '' they should have said business days. I would have no way to guess that information. They can not foreclose while an application is under review. 

Homeowner DETAILED ACCOUNT of experience with 21st Mortgage ( a bank/servicer or foreclosure mill I never choose to work with, but was forced upon me by the changing of hands without my knowledge ). Included is back up documentation OF nasty harassment, multiple bad faith dealings over seven years ( XXXX or XXXX banks - this will focus on 21st Mortgage ), intent to defraud consumer, fraudulent activities and failure to comply with their own work out offers. I will demonstrate my good faith efforts to comply in order to stop the foreclosure, years of efforts to avoid foreclosure on my otherwise perfect credit by either a principle reduction to the current value at the current interest rate, a short sale or a DIL. I will show PROOF of bad faith on the part of 21st Mortgage, PROOF that they make offers, force compliance, then when compliance is completed, walk away, delay and delay and simply set a new foreclosure date rather than complying with their own offer. Is this bad faith or intent to fraud? Why is XXXX in every XXXX Nevada homes in foreclosure? 

PLEASE SEE FULL COMPLAINT ATTACHMENT as this box has a minimum character count and my document is too long. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: Hi yes my name is XXXX XXXX and On XX/XX/2017 at Chase bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX my bank information was changed to another address by Banker XXXX XXXX without my concent and therefore my bank statement which includes where I work and average monthly paychecks was sent to that new address an address by which was set up in there bank with my ssn and she gladly accepted it without verification. When talking with the bank manager XXXX XXXX the GM and XXXX XXXX the market director both were more concerned about protecting thier employee instead of their client. I Already filed a police report against the banker and the person who had my info forwarded to their address, and yet the bank thinks it perfectly ok to represent the public in such an illegal behavior, without verifying ID 's. XXXX XXXX said on XX/XX/2017 we always check ID 's to before we change an address. I can tell you now NO THEY DO NOT, otherwise the police would have be called from the getgo so I go around in circles with this bank as they fail to uphold the law which gave the bank authority to hold the publics money. They would n't even provide the federal agency that oversees any wrong doing only they would provide the headquarters number. I demand here that someone be held accountable, also I had a password set up and they even failed to ask the attempted Identify thief the security question. Should I get the FBI Involved?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.

Company response to consumer: Closed with explanation