milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MD).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Last month Suntrust who is the Lender of my Vehicle wrongfully repossesed my Truck when the payment was not due. I had to call the Police thinking it was stolen and the XXXX XXXX XXXX. I lost two days of work and suffered serious mental stress because of this. I called the Towing Company who had taken the Vehicle and also Suntrust. I explained to Suntrust the payment was not due until the XXXX of the month with the grace period. Suntrust had to release the truck and the towing company had to return the Vehicle that night. I then had to contact the Police and XXXX and try to explain what had happened. I have asked Suntrust to send me the statements but for two years they refused and also to refinance it in my name alone. The major party of the loan is in bankruptcy but I am not and I have made the payments for 8 plus years but Suntrust refuses to do anything and I have filed two previous complaints, but this is the last draw when they steal the truck when the payment is not even due, only to have to return it.

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 07/27/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Closing/Cancelling account

Complaint: I was issued a Citibank Costco Visa card in early XXXX 2016. The first statement of the new card closed on XXXX XXXX, 2016, following the transition from XXXX. Owing to the fact that my account was linked to my bank account through XXXX, no payment was made on a balance of approximately {$760.00}. Two days after statement closing, I received a phone call from Citi collections in which my credit rating was threatened and specific statements were made about delinquency. I subsequently paid the outstanding balance on the account. The following day, without my permission, Citibank closed my account - despite the presence of approximately {$68.00} in cash rewards outstanding. Once again - no request to cancel the account was made. 

Subsequently, I have requested the account to be reopened on two separate occasions. In fact, I received a call from Citi indicating that the progress was slow and they wanted me to file another request. I am disappointed in the fact that a representative closed an account without my permission and the overall poor service I have received.

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 01-04-2016 about Credit card () with FMS Inc. (MN).
Issue: Billing statement

Complaint: We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. 
The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Private student loan) with First Associates Loan Servicing LLC (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan with navient and my federal loans are being serviced by them. My federal loans are income based but navient refused to work with me with my private loans. I told them that i am able to pay with a fair payment plan. the account manager threatening to send me to litigation if i dont pay right away, and demands for me to fax to navient 3 months of my banks account for them to work with me. I am tired of dealing with this company who belittle its consumers. I dont want to default on my loans, i want to be able to pay but also i want to have a roof and food for my child and for me. this company is fraudulent, and a bully, and students need to be protected from this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NM).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  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 01-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Application, originator, mortgage broker

Complaint: Approximately 18 months ago I restructured my mortgage due to financial hardship with NationStar Mortgage. I was behind in my mortgage and facing the possibility of foreclosure. After all was said and done, I wound up with a 40 year mortgage, with payments only approximately {$200.00} less a month than what I was currently paying. 
At the time of this restructuring, I only had 7 years ( {$68000.00} ) left to pay on my home that had a market value of {$150000.00} to {$180000.00}. When I asked why I had to pay such a high long term cost for this restructuring, I was told that there were attorney fees, late payments, etc. At the time I was approximately five months behind in payments. I was told that after I reestablish better credit I could refinanace for a better term. 
With all that considered, I believe a 40 year mortgage term in order to save my home is a bit excessive. In the end I am paying NationStar approximately {$500000.00} for a {$68000.00} loan. 
I am not sure what recourse I have, if any but any advice would be greatly appreciated. I can provide greater detail if there is a possibility that I have a legitimate complaint. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has negative and incorrect information. I sent a letter to them and the credit grantor to the address on their report which came back undeliverable because they are out of business. the letter from Experian stated they could n't make any changes, would n't investigate again ... .oh and it states this information must stay on your credit report for 7 years. This loan was paid in full in XX/XX/XXXX ... this is now XX/XX/XXXX ... do the math. They are difficult to reach as their website says that can be reached on weekends yet when you call during said hours they are closed with no explanation. How can I possibly get this information fixed?

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 03/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a medical company that states I owe them {$1300.00} and they sent me to two different collection agencies, I sent a letter to the first agency on XX/XX/XXXX requesting proof and never received proof. The second collection agency received a letter on XX/XX/XXXX at which time I also sent the same letter to the Equifax which states I am asking for proof I owe this bill that I have never received. Equifax sent me a letter stating the investigation says they have verified the item belongs to me. I do not understand how they were able to get proof of something I still can not get after a year of asking. I realize a creditor can just say on the phone that the account is valid even when it is not. This is unfair and has lowered my score. Equifax has kept an item on my credit report that has not been proven to be mine and I would like to report this an unfair way of incorrectly reporting on my credit. I would like the inquiry from XXXX Account # XXXX removed from my Equifax Report. All letters was sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In the summer of 2012, two credit cards ( issued by XXXX XXXX  and Chase Bank ) were opened in my name without my authorization. Both cards were maxed out and eventually sent to collections. However, knowing that I had no credit cards and having minimal credit experience ( I was XXXX years old when both cards were opened ), I paid no real attention to my credit reports until years after the account had already been closed/charged off and I did n't truly comprehend that my identity had been stolen until this year and upon discovery, I 've done everything in my power to reverse/repair the damage caused by this event. 
Both initial and extended fraud alerts have been placed on my credit file, I have filed a report with the FTC, and I 've been actively working to get these accounts off of my credit report by contacting the CRAs and the creditors directly. XXXX XXXX confirmed that the account was opened without my authorization and immediately updated its information and notified the CRAs. This is when XXXX placed the extended alert due to true name theft/fraud on my account. Chase Bank (, on the other hand, is apparently above section 623, and treated my letter as an account inquiry rather than an alert/notice of identity theft. I 'm not sure how Chase was able to confirm that the information reported was correct after I report to them that the account was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with EXPERT GLOBAL SOLUTIONS, INC. (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Basically, I keep getting calls from numbers that appear to all trace back to NCO Financial Systems. The numbers show up on my phone with zip codes XXXX 

I 've missed each of the calls, unfortunately, but only once did they leave a message. When I followed up on that message, I was placed on hold with no mention of a company name on the answering machine, and then after being on hold for about 10 minutes the call dropped ( I had n't moved locations and my phone showed good reception ). Another time, I was offered a chance to leave a message. I did, no response. I 'm currently on hold again, and it 's now the XXXX minute of the call. 

After XXXX the number and tracing it to NCO Financial Systems, I found terrible reviews of the company on XXXX that matched my experience ( many are worse! ). I saw several people there who listed " real '' numbers for the company that actually connect you to a person, and after calling XXXX a woman picked up on the first ring. She looked me up in the system and said that the system has no record of me at all. I carefully spelled my full name and my phone number, and they are not in her system. She said she was in the medical department, and that 's the only place my debt would be - I 've recently been paying a lot of doctors bills because of an injury sustained, and it 's not out of the question that I may have missed a bill or mixed something up. 

I 'm concerned that I have a bill out there that will affect my credit, but I 'm also concerned that i am being contacted by a scam and am not comfortable giving them any information. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.

Company response to consumer: Closed with explanation