milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (DC).
Issue: Shopping for a loan or lease

Complaint: Describe what happened so we can understand the issue ... 
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline. 

I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX. 

I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX 

I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by. 

I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ). 

I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account. 

XXXX 's process is deceptive to the consumer, not listing updated deadlines. 
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had. 

Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with Capital Alliance Financial, LLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: NationStar now called XXXX XXXX insist that I owe lender fees in the amount of {$1200.00} connected to XXXX XXXX XXXX from XXXX when the mortgage was given to NationStar at the time for loan servicing. Since then I have been delinquent and file bankruptcy in XXXX. XXXX XXXX has not explain to me fully how the fees can remain unpaid even after all monies have been paid to bring account current coming out of BK. The company quote a long list of charges and fees but not an adequate explanation. The latest offense is requesting over {$1100.00} from a lender for a second on the mortgage loan. When I called the company no one can explain to me how after all these years from a XXXX mortgage loan I can still owe lenders fees. They held up the 2n mortgage loan until they were paid. NationStar or XXXX XXXX has tried every dirty trick in the book to charge me extra fees and lender paid fees in the Escrow account. I am sick of it. I want an audit of my loan since XXXX XXXX XXXX gave the servicing of the loan to NationStar/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Short sale file submitted multiple times and little or no response unless forced by the borrower or agent. The approval time exceed the published time line by the XXXX XXXX XXXX. We are answering questions from the processor and underwrite over and over again with little, slow or no progress. All timelines have been exceeded and response for associate involved have been slow or unprofessional. Bottom line is that it is taking an excessive time to approve or decline a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 have disputed a fraudulent account with Equifax 3 times regarding the removal of a fraudulent account regarding  XXXX   XXXX . I received a letter dated   XXXX     from Equifax stating that   XXXX   XXXX   verified the account. I called   XXXX   XXXX   and was told there was no correspondence from Equifax. I called Equifax today  [   XXXX / XXXX /  XXXX    ]  back and they told me to tell  XXXX   XXXX  to contact their business line then they told me the account was still pending. If it is still pending then how did I receive a letter stating it came back verified?! Equifax is not fully investigating this account as they said they would. I 've sent in police reports and Equifax is still refusing to properly investigate AND delete this account! I 've also sent in proof regarding  XXXX   XXXX   XXXX  had me under an account with an address I 've never lived at and a name that is not mine and Equifax is still neglecting to delete this account with PROOF of inaccurate info. I need for someone to help me resolve this issue ASAP as I 've been fighting these two accounts for over a year! They are the ONLY ones that are giving me a hard time.  XXXX  and   XXXX   are properly investigating and deleting these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for 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 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had an issue with Bank of America charging the wrong account when I make a payment. 
My credit card accounts only have ONE pay from account. I have had to delete old accounts at least three times when they have reappeared. 
On XX/XX/XXXX - I made my regular payment.

On XX/XX/XXXX - I logged into my bank account and there was a note that Bank Of America attempted to withdraw from my spending account. This was previously the account that I had the XXXX  money withdrawn from - but deleted it from my profile. I then resubmitted the withdraw and confirmed it was from the correct account. 
On XX/XX/XXXX I was charged {$27.00} for a " returned check fee '' - even though it was not a check. 

This has happened several times and I have confirmed that all other pay from accounts are currently deleted. A customer service rep told me last year that this happens when their system is upgraded and it pulls back in old accounts.

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 05/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NEW YORK COMMUNITY BANK (MI).
Issue: Trouble during payment process

Complaint: I secured  a   XXXX   XXXX   home equity loa n   XX/XX/XXXX  fr om AmTrust Bank in  XXXX   XXXX , Fl. The loan was to be paid off within 15 years from the date of the loan. There was never a discussion or agreement or notification that the loan provided the bank the right to call for full payment anytime after the first year. The bank in possession of my loan is New York Community Ba nk (   NYCB   ) in   XXXX , Ohio.   I received a letter from  NYCB      XX/XX/XXXX    t elling me my loan was to be paid in full     XX/XX/XXXX   .  I responded by letter that there was no way I could repay the loan in full and reminded them that the loan was for 15 years no t 10. Many lette rs have been trad ed and NYCB insisted th ey were within their rights to call the loan   XX/XX/XXXX .    Their arbitrary due date has passed. I continued making payments and my   XX/XX/XXXX   payment was returned to my bank and I received a letter advising me that I owed over  18K a nd that it was past due.   The bank has sent me mortgage assistance forms to verify my inability to pay the loan. I am very uncomfortable returning documentation with my signature to a bank that operates in the manne r of NYCB..

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have credit card from XXXX XXXX that was issued by XXXX XXXX bank. In XXXX XXXX, i got a call from XXXX XXXX that i was late on payment. I told them, i have n't received account statement via email for which i subscribed. I provided the document evidence and paid of the balance in full. XXXX XXXX account was reported as late payment on XXXX credit bureaus. I called XXXX XXXX and they promised to send the " Pays as agreed '' status to the XXXX credit bureaus. The status of XXXX XXXX account was updated to " Pays as Agreed '' on XXXX XXXX XXXX on all XXXX credit bureaus. XXXX and XXXX has removed XXXX XXXX from negative accounts. My credit score is being reported correctly. However, Equifax did n't remove XXXX XXXX account from negative accounts even though the status was updated to " Pays as Agreed ''. I filed a dispute with Equifax on XXXX/XXXX/XXXX to remove XXXX XXXX from negative accounts category. The online status shows as pending on the dispute as of XXXX/XXXX/XXXX. I called the Equifax consumer support. They were saying they ca n't remove the account from negative accounts. It is frustrating why Equifax is denying to remove the account from negative account list even when XXXX XXXX reported the corrected status of " Pays as Agreed '' on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018, an unauthorized inquiry was put 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 07-11-2016 about Debt collection (Payday loan) with NorAm Capital Holdings, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.

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
Consumer complaint received 04-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment added/reported while on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up?

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 10/20/2015 about Debt collection (Payday loan) with Eagle Collection Corp. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: SS Number : Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Demanding A Credit Bureau Investigate To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX BANK DELAWARE Account XXXX FDCPA Act violation please delete. 
XXXX Account XXXX ... .This account is not accurate Please delete All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no e-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. 

XXXX vs. XXXX, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: APR or interest rate

Complaint: I received a direct mailer from Citibank offering a Costco Citi XXXX with 0 % APR. In addition there is printed offers in stores and the offer is still on Citi 's website. 

I received my Costco Citibank card and discovered on the 1st statement that Citibank is not honoring the 0 % APR.

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