milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BB&T CORPORATION (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I opened a checking account with BB & T in XXXX XXXX. About a year later my ATM card had been breached and I was concerned with hackers being able to access my checking account. I went to the BB & T branch in XXXX XXXX to move some of my funds out of the checking account and open a savings account. While opening the savings account I asked XXXX XXXX if they could link my saving account to my checking account. He said NO. I told him I wanted overdraft protection on my checking account. He stated that he could offer an overdraft protection that would cover low funds but there would be a {$12.00} charge each time it was used. The normal fee is around {$30.00}. I accepted this overdraft protection. XXXX DID NOT tell me that the overdraft protection was a " constant credit '' account. Nor did he inform me that the account would be subject to an 18 % APR. He did not inform me that there would be a payments on the constant credit account. He NEVER told me that the overdraft protection was new account based on credit at 18 % interest. In XXXX I became aware of the account because BB & T changed their online banking website. For the first time I saw that along with a checking account and savings account, I had another account. I went to the bank the same day and spoke to XXXX. He informed me that HE did not set up the account, he stated it was set up by XXXX XXXX and XXXX no longer worked at the bank. XXXX told me there was nothing BB & T could do about the account, the interest charges or fees on the account. I contacted the XXXX number for BB & T later that day and discovered that XXXX XXXX was actually the person who set up the account, he was the person who had told me in person that BB & T could NOT link my savings account to my checking account. To date I have personally contact acted XXXX two times and personally talked to the branch manager. So far they have offered to void the last 90 days of interest on the account. I have more of an issue with the fact that the bank representative, XXXX XXXX, lied to me regarding the ability to link my savings to checking. Also that he failed to inform me that his overdraft protection was actually a credit account at 18 %. I would be satisfied if BB & T would acknowledge that I was mislead and concede any debt on my behalf pertaining to the 18 % interest they charged on an account I did not know existed.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient received a total of XXXX payments from me that were never added to my account. The money was withdrawn, but my Navient Account history did not show them. I called ( with a wait time of over 1.5 hours ) to find out what was happening. XXXX of the many phone calls I made said an extra digit was added to my social security on my end. This was just not the case. They saw the money was taken and processed by Navient, but they never contacted me or tried to add this money to my account. I accrued more interest, since these payments were not processed. After another phone call they said XXXX of the payments would get processed soon, and to wait on the other payments. None of the payments ever came through again. So once again I called. Finally they found the payments and said they will be added to my account with expedited processing request. ONLY ONE PAYMENT GOT ADDED. The other payments are STILL not being processed. The only advice I was told by Navient was to CANCEL autopay, and re-enroll in order to lower my payment amount. I followed there direction, but my interest rate when up after removing autopay. I tried to re-enroll in autopay to get my interest rate lowered again, and they said they ca n't process this for two months. I filed a formal complaint with Navient, and they stated they will put another request to process my payments with an expedited request, but still no payment has been processed!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with BYL Collection Services (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV!

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 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 08-11-2016 about Debt collection (Payday loan) with LENDMARK FINANCIAL SERVICES (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughters student loan is with Navient. My husband and I are paying it for her and have been sending in payments of {$300.00} per month with a note to put extra on the principle. I figured out that they ignore my notes and process mail in payments very slowly so they can get more interest. I then started to pay online. When I started, a page would come up to select that the extra not be paid forward. I did this twice, then all of a sudden, this page does not come up anymore. Their website is not consumer friendly. I continually have to write extra letters, trying to get them to do what is instructed. I just do not understand why they and other banks are allowed to put the burden on the consumers to write each time they want extra money to be applied to the principle. It used to be automatic. Please help me because the frustrations dealing with Navient is beyond belief. In fact, my daughter had to go through bankruptcy. They stopped sending invoices and my XXXX husband failed to pay ... this accrued an extra {$700.00}. in interest! In addition, the amount they take in interest is different all the time. It does not seem to matter if you pay early or on due date -- and it is not less if you do pay early! Even trying to find a way to email them on their website is close to impossible. Please help for me and many others. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Vital Solutions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a 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 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage from U.S. Bank N.A in XXXX XXXX. I signed a Loan modification agreement with XXXX XXXX XXXX XXXX with the first date of lien on XXXX XXXX, XXXX and the modification of the mortgage effective XXXX XXXX, XXXX ; this document was signed by XXXX. I had to file for Chapter XXXX on XXXX/XXXX/XXXX with a release date on XXXX/XXXX/XXXX. My mortgage payments have been going to the servicer XXXX for U.S. Bank and I have asked to refinance or recast the balance. XXXX said they are not a bank and are not able to refinance the loan. I have written to U.S. Bank Corporate office to discuss the the aforementioned HAMP recast and other perks and have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MN).
Issue: Managing the loan or lease

Complaint: I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too! 
XXXX 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 01/16/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Managing the loan or lease

Complaint: Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.

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 01/22/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ACS was the servicer of my old loan and XXXX took over the loan in 2014 and the balance was paid to XXXX . I filed a dispute with ACS because of incorrect payment history on my credit report. The dispute was finished and the some of the payment history was deleted but then then the loan turned into a collection with a XXXX balance, which is highly incorrect and illegal. The original loan balance was no more than XXXX so I know the balance is incorrect. ACS just put a random balance on my credit report. I need proof of this amount and I need ACS to send the paper info with all included loan balances and payments to me. This is highly against FCRA law and I 've file multiple disputes with them and the credit bureaus. I need ALL NEGATIVE payment info submitted by ACS to deleted ASAP.

Company response to consumer: Closed with explanation