milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.

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 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX. This Student Loan was discharged XX/XX/2016 by the SSA due to my permanent XXXX. I am currently receiving XXXX payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Lionstone Holdings Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Lion Stone Holdings Group has been leaving threatening voicemail messages on my home phone for 1 month. Threatening to sue, come to my home, and to escalate the case. ( file number was given ) A woman, XXXX XXXX, contacted me at work and wanted my SSN and birth date. Said she would show up at my home. 
I have no loans outstanding. Nothing shows up on my credit report. 4-5 years ago a payday loan was taken out in my name using identity theft. A Police report was filed then.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband once owned a small business in the 1980 's that went under. He paid all debts and was able to avoid bankruptcy. His credit is now XXXX and mine always has been. Every once in a while, debt collectors latch onto some old, and long since paid, bill and threaten us, knowing that providing proof is difficult after all these years, long past XXXX. ( 30 years ago! ) A new group has begun to harass us on a daily basis. " Diversified Adjustment Service '' calls every morning and leaves a voice message with their title, their contact phone XXXX, and the reference # XXXX for when we return the call. This has been going on DAILY for the last XXXX three months. They never miss a day. I thought the calls would subside once they realized we were not going to get sucked into this scam. Luckily yesterday I found this Consumer Financial Protection Bureau in our XXXX Newsletter. I hope you will get to the bottom of this. Many thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted XXXX & Experian credit reporting agencies on XXXX different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.

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 03-01-2018 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: + not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amou

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Consumer Loan (Installment loan) with National Credit Adjusters, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Debt collector from National Credit Adjusters is repeatedly calling my job, family, and friends. They are immediately asking me to verify my social security number and becoming frustrated when I do n't, and when I want to know who they are. The only identify themselves as National Credit Adjusters, and are unwilling to give any other information for what they want unless I verify my identity with sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a government employee and started paying a loan amount of {$46000.00} at XXXX XXXX monthly payments rate in XXXX. At this time my family of four had an AGI of less than {$60000.00}. 

At that time I learned about this government employee loan forgiveness program that will happen after 10 years of payment, in my thinking the ( XXXX  XXXX m x XXXX y = XXXX or XXXX XXXX ) will be paid and the XXXX XXXX May be forgiven. 

During the toughest times of my family life I paid those monthly payments with some delays and couple calls to my loan servicer during tough times. 

My frustration and feeling of being treated by predatory lender comes because ; after more than five years of paying the {$260.00} a month, my loan balance is still the original {$46000.00}. 

I have learned the the hows and whys from Navient, but I still think I was left alone to fail than assisted by my loan servicer. I suppose they were the middle men to help people like me. On top of this, the hard to reach customer service people cant see the trustee aspect of my question. 

Now my wife works and I am in better shape too, restructuring the loan will take me to paying about {$370.00} a month to repay the entire loan within 10 years. 

How will the XXXX I paid so far be used to benefit me?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.

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 02/27/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (DC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Nordstrom Stores personal Visa card. I was late in XX/XX/2017 on two occasions due to the birth of a child. My interest rate was raised from the agreed 17 % to the deliquency rate of 31.15 %. I called and spoke to customer service. I was informed I had to make 6 payments on time in order to be considered for the 17 % rate again. I got a voice mail today informing me that I was approved ... .but at the same 31.15 % delinquent rate. I would now have to wait another 6 months before the next review period.

This is a deceptive trade practice. Nordstrom is advising clients to wait 6 months, while they continue to collect 31.15 % interest, even thought the account has not been delinquent for 6 months. 

I contend that there is no review period, or anything else occuring here. They are simply coercing people into believing they will have their rate lowered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Mortgage debt) with MIDFIRST BANK (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

XXXX 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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In violation of what I have read in the FCRA, Equifax is stating that my dismissed XXXX XXXX will remain on our credit report for 3 additional year. By contrast, XXXX and XXXX have informed us that this dismissal will be removed from our credit report in XXXX and XX/XX/XXXX, respectively, of this year. 

The attorney we worked with did not have all of the paperwork in order for our XXXX XXXX when he filed it in XXXX. He corrected our paperwork and refiled it correctly in XXXX. We completed our payment plan a year and a half early in XXXX. 

We would like for Equifax to comply with the law and remove this Dismissed XXXX XXXX, not later than XX/XX/XXXX. Until then I will not be able to apply for the level of executive positions for which I am qualified. 

I am attaching copies of the dates for removal from my XXXX and XXXX Credit Reports. Please let me know if you need anything further from me on this matter. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient steered me into forbearance instead of duly providing information about income-based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Delinquent account

Complaint: I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with Credit Plus Inc (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. 
I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. 
I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. 
I have heard nothing in writing or via email from XXXX XXXX. 
When I called them, they could not find the account or me by social security number. 
I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. 
If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Credit card protection / Debt protection

Complaint: Hi my name is XXXX,and I have several store credit card through Synchrony Bank; however I have card XXXX on all of my credit cards; so I am XXXX, with XXXX,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; XXXX was terminated from his office, due to drinking on the job, however my doctor had already completed my XXXX forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony bank, however my XXXX, and has been for awhile, I was diagnosed with XXXX,and had XXXX last month; it's very hard already for me to maintain daily, but I just don't feel that it is fair to pay for insurance and can't use it because my doctor was terminated.I am now awaiting the transfer of my medicine records from XXXX office, to obtain a new physician, but it will take time to get set up under a new doctor care, meanwhile my bills are continuing adding up, with buying XXXX and gas it's very expensive

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a student loan XX/XX/2009, I was XXXX and my parents were not able to support me economically I lived in XXXX before moving to the US and the college I attended is located in XXXX XXXX XXXX, XXXX. The name of the institution was XXXX XXXX University and has been acquired recently by XXXX University. 

I feel it was and still is a predatory practice this institution is using, since it is targeting young XXXX students without evaluating if these kids can repay their debts. I was called by their recruiters several times until they convinced my father to take me there. I was not ready, and my father had no option, he had just lost his job. When I got there, classes had already started, and the recruiters did not care, they just wanted me to enroll even though I had missed some classes on my XXXX of college. I was not explained about the terms, interest rates, how much I was going to loan out or how much was a grant and how much was a loan. I would have preferred to come to the US in the first place, study in a community college and try hard to get a scholarship or even study in a state university in which I could save thousands of dollars. I am now stuck with $ XXXX in debt ( which is much higher than the average student debt ) and no college degree. 

What I feel is that these people are making money out of uninformed young kids so I strongly encourage you to start an investigation towards them because I know I am not the only one affected by this. I know there is a lot of people that studied there and they can not repay their debt. It is just unfair, I now work on the mortgage business and I know how important It is to inform consumers about the product they are applying for. 

As I mentioned before, I was just XXXX years old ; do you really think a XXXX year old kid can make a $ XXXX decision? I will not let my kids do that, that is for sure! It should be more regulated, I know people need education but if you can not afford it you should consider other options or opt for scholarships but do not stuck kids with lifelong debts, it is not fair. 

Any type of solution for this matter would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.

Company response to consumer: Closed with explanation