milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Fidelity information corp {$2200.00} XX/XX/XXXX I disputed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have tried to find a way to fix XXXX overdraft fee caused by one transaction with BB & T. But, they insisted this is not banking error. What happened is my checking account has balance of {$190.00} on XXXX. I set up a electronic debit of XXXX on XXXX. BB & T charged me a XXXX dollars overdraft fee because they mentioned my autosdraft of XXXX dollars on XXXX is in pending mode on XXXX and my balance is not enough for XXXX. Then, the pending XXXX dollars finally appeared on my account on XXXX caused another XXXX dollars. So, My XXXX dollars balance does not even have enough for XXXX of XXXX transaction. This is not fair to a general bank consumer like me because : 1. My online bank information on XXXX does not indicate I have less than XXXX with a pending transaction. 
2/ Even though the first overdraft fee is legit due to the pending status, the second overdraft fee does not make sense just because the same transaction goes from pending to posted. 

I am still very positive this is a banking error. But, BB & T does not want to admit this because they simply do n't want to hurt their reputation. Their complain resolving team even tried to convince me about this using their service agreement and it took her XXXX minutes to get the terms for the first overdraft fee. But, she ca n't even find the second overdraft fee is caused by status changed from pending to posted in their term. Here is what I see from my online banking transaction : Date Description Check # Type Amount XXXX XXXX, XXXX Posted Balance : {$91.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC BB & T XXXX CHECK DEPOSIT Credit {$200.00} XXXX XXXX, XXXX Posted Balance : - {$100.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX CARD RECURRING PYMT POS {$43.00} XXXX XXXX, XXXX Posted Balance : - {$28.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX Debit {$190.00} XXXX XXXX, XXXX XXXX XXXX, XXXX Posted Balance : {$190.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RECURRING XXXX PAYMENT Debit {$300.00} XXXX/XXXX/XXXX PAYROLL XXXX XXXX IN XXXX XXXX XXXX ACH CREDIT Credit {$500.00}

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold Checking account in XXXX 2015 under a promotion at CitiBank which promised a specific bonus of XXXX XXXX XXXX points for meeting certain requirements. I used the correct promotion code and was provided with a summary of the promotion when I opened up the account. I have met all the requirements and CitiBank is not honoring the promotion. I have opened up a case with them, had it escalated, and have been told 4 or 5 times by customer service agents that I met the requirements but they have to escalate it for approval. The escalation team has come back each time and is denying to provide me with the rewards because they state I was not targeted for the promotion. I told them I have a copy of the confirmation page when I opened the account but since it does not have my name on it, they will not honor it. I think this is very dishonest and feel I have earned the bonus and it should be awarded.

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 05-01-2017 about Debt collection (Credit card debt) with CFS2 Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (WV).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.

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 10/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: Wells Fargo issued me a final credit on a disputed charge in XXXX 2015 then two days before XXXX they reversed that final credit leaving me with no money for XXXX. They have reopened my claim yet fail to do anything or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. No payments were made on this account after XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!

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 11/26/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Submit a request to loan servicing company to apply excess payment to principal. Request was denied as it was against policy.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Auto) with Constar Financial Services, LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Debt Mediation, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me 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 06/13/2017 about Debt collection (I do not know) with MFP, inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.

Company response to consumer: Untimely response
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle lease) with Danco Financial Services, LLC (GA).
Issue: Taking out the loan or lease

Complaint: ( continued XXXX ) She came back to the line and asked me to call Danco back. I called them back and spoke to XXXX again. He told me that Danco could n't take the payment because they had n't taken on the terms of the lease because it was too low and I 'd have to take it up with XXXX because the car still belonged to them. I asked him so who am I supposed to pay my carnote to and he told me to call XXXX again. By this time they were closed and I was soooo frustrated! When I got home later that evening I was doing a client and I saw a tow truck pull up outside. They asked me did I want to get anything out of the car because they had been sent to repo the car. I was so confused because they would n't let me pay the car note but they were going to repo it and it had only been 6 days since the payment was due! My brother drove the car off because I did not want a " repossession '' on my credit history. I parked it in a garage and called them at daybreak the next day. I spoke with XXXX at Danco and for 2 days he tried to convince me to either 1. Sign the new contract 2. have the extra payments placed at the end of my current contract or 3. Find another car of lower value or 4. Have the payments taken out of XXXX Chexk since it was her fault. All of this just placed me in a highly XXXX situation as if I had n't been through enough with them I was in jeopardy of not having a car again, but I was n't going to pay more. So I told him they could just get the car back and take me out of the contract and give me my money back, because if it would be that easy to sign a new contract it 's just as easy to release me from one.. he said I was correct but he felt like I was going to be a good customer and that he would just pay the {$1500.00} out of his pocket. I agreed and I 've had the car for 4 months since and have paid my carnotes but I just recently found out that my license may be suspended because the tickets STILL HAVE NOT BEEN PAID! I risk going to jail and I have a baby. This is asinine and EXTREMELY ridiculous that these people have taken me through all of this XXXX for almost a year now and on top of it all they sent me a XXXX IRS form for the XXXX XXXX, stating that they 'd reported the vehicle as income as if they 'd either given it to me or I 'd paid for it, either way all of these things will take almost a lifetime to be rectified and resolved. I 'm so frustrated, I believe a civil suit may be best.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with PAYPAL HOLDINGS INC. (NJ).
Issue: Billing disputes

Complaint: I submitted a dispute for a service that caused dmamge to me physically and the denied me because they do not want to eat the cost of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX. XXXX XXXX, XXXX XXXX : XXXX XXXX and XXXX XXXX, XXXX - XXXX Credit Cards/XXXX ( XXXX ) XXXX Institution Information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX - Finance ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX - Finance ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation