milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

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 11/29/2016 about Bank account or service (Cashing a check without an account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: My employer issued my wages on a business check with funds held at Suntrust Bank. 
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank. 
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?

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
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Wilber and Associates, P.C. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with ConServe (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with United Recovery Solutions (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying for weeks to get my transunion credit report. I 've called and entered the info. I 've done annualcreditreport.com and they told me I could n't view it online. I 've tried the transunion website and none of them I 've been able to get a copy.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach. 100 % wrong and action needs to be taken against actually ALL THREE Credit Bureaus. They have far to much power over consumers by using such lame excuses as " to many inquiries '' to take points off your score. As a consumer, I have the right to shop around for the lowest interest rates as much as I please. I 'm the one having to pay a loan back. 
The second lame excuse they have is when you have a " negative '' on your report and you pay it, it remains on your report for 7 years. That needs to go. 
When is the CFPB going to get some backbone and protect the consumer? Or are you going to remain a powerless Agency at the mercy of big banks and sharks? 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Billing disputes

Complaint: wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with Security National Mortgage (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.

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 12-08-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I looked at my credit report and i learned that Portfolio Recovery Associates is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. XXXX is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient making it hard to repay, additional fees and excessive credit reporting to agencies

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. 
I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. 
I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. 
I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. 
I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. 
For all those out there, stay out of the student loan debt. Go some other route. 
I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. 
-good luck to all

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the month.

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