milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect information reported XXXX XXXX 2017 by XXXX  and 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 05/15/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND Chase Mortgage, requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from Chase Bank Mortgage : : XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why Chase Mortgage rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONS FINANCIAL CORPORATION (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with Miller Davis & Peoples (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Federal student loan debt) with Windham Professionals, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX17, debt collector stated that they could not determine the schedule of direct deposit payments even though a copy of the monthly statement from my personal checking account was provided two days prior. Debt collector also requested copy of entire XXXX in order to estimate average income even though total household income was provided weeks previously. I believe they are delaying the repayment process in order to to real more interest against the account. Current debt has ballooned over {$50000.00} since account was transferred to XXXX XXXX and they have not clarified the schedule of interest applied to the original loans. They also call my cell during the week and weekend at all hours of the day from two separate numbers.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My Equifax File has outdated and incorrerct information. 
The accounts that are in question are as followed and for the reasons stated. 
1 : XXXX XXXX XXXX this account was closed and charged off XX/XX/XXXX, the statue to report negitive infomation of account has elasped as XXXX/XXXX/XXXX. 
2 : XXXX XXXX This account was charged off and sold XX/XX/XXXX 3 : XXXX XXXX XXXX. This company bought this charged off account from XXXX in XX/XX/XXXX and change date as the date open XX/XX/XXXX which this collection company would have more time to collect which I dispute this account and all the dates. 
4 : XXXX XXXX. This account has been charged off XX/XX/XXXX and the staute has elapsed for reporting this account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with GMA Investments, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: To Whom It XXXX Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers XXXX : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good day! 
I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.

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 02/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MO).
Issue: Charged fees or interest you didn't expect

Complaint: Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Delinquent account

Complaint: They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never one late payment so why would I have one now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never one late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation