milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (WV).
Issue: Problems caused by my funds being low

Complaint: XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. 
BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! 

Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). 

**HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. 
XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}

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 05/20/2015 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 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: Problem with personal statement of dispute

Complaint: I ha  ve disputed the same liens on my report 3 times & each time they said it was mine. I contacted the entity that they listed, and they confirmed by SS # that the accounts were not mine. A simple check of the social security number would have resolved this, the entity said that they may not have even contacted them, just saw the same name on the file & assumed it was mine. Now the credit bureau, Equifax, is telling me I have to prove it myself that it is not mine.
Confirmation # Status Dispute Date Completion Date   XXXX    COMPLETE D  XX/XX/XXXX  XX/XX/XXXX  Open   XXXX   COMPLETED XX/XX/XXXX       XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: In XXXX I opened a checking 's account with Capitalone360. I was giving the option to add external account to fund the checking account. I add an account which I transferred XXXX into the Capitalone360 from external account. The bank blocked my account. They said there 's was a block due verification. I was fine with them verify me and asking questions. They verify me and said that everything was fine. But the account still had a block on it. I could n't get through to speak to anyone. So months went by and still heard nothing from Capitalone360. Not a letter stating what going on with account not even XXXX phone call. My money has cleared in that account and has been sitting with this bank on hold for months. I asked to speak with a supervisor multiple times. But I kept getting we put in the system for someone to give you call. I never received a call. I feel that this company does n't care for there customers. I put my money in the hands of this bank thinking I would handled a good manner. The customer service is horrible it take hours to speak to someone. And when they do answer its nothing but attitude. Its very illegal to hold someone funds over 30 days. Without any letter or bank statements. Still on XXXX XXXX, 2016 I still have n't heard anything. My funds are still being held.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.

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 09/23/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Late fee

Complaint: I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XXXX I got a letter that my vehicle loan had been purchased by Santander and that 's when the problems started with Santander. If I was late with payments, Santander called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to Santander to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. Santander wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other fee

Complaint: Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I was inappropriately assessed a total charge of {$46.00} by Intellius.com on my XXXX credit card account # XXXX for service I did not receive, which is still outstanding, despite my writing XXXX 's XXXX at XXXX XXXX, XXXX, KYXXXX on XX/XX/XXXX. I told him/her if they can't rectify the charge and credit m {$46.00}, Cancel My Credit Card XXXX. Note : I always pay my balance upon receipt, except the XXXX charge of {$46.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA 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 monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 days.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Late fee

Complaint: I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Struggling to pay your loan

Complaint: I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation