milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with KEYCORP (ID).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX I went into Key Bank at XXXX XXXX XXXX, XXXX, ID XXXX, Phone # XXXX to close our checking account and 2 savings accounts. They gave me 3 cashier 's checks for the total in each account. Account Closed. A couple of months prior my husband and I had applied for a home equity loan from XXXX at Key Bank to purchase property across the street from us. We were approved but the interest rate was higher than we wanted to pay so we went to another bank. Their rate was lower so we went with them. One condition was we needed a checking account with them which is why we closed the accounts with Key Bank. A couple of days after I closed the accounts with Key Bank I went on their website to see about some charges I would need for our taxes and noticed that our Insurance premium came out on the same day I closed the acct. I took them a check to pay for the premium that they had paid. Then a few weeks later my husband ask me about an expense check from work that should have been deposited in our new bank. I looked and all that had been deposited was his pay checks. Then I went on our old Key Banks site and saw where it along with a smaller expense check had been deposited a few weeks earlier. There were other deductions from the acct. that I had no knowledge of along with all kinds of deductions of overdraft fees and Maintenance charges. Totaling {$290.00}. This account was closed on XX/XX/XXXX. My husband called his work and they said the bank account change did not get to the office that entered the expense checks. They apologized and immediately tried to get the money back from Key Bank. Key Bank would not refund the expense money. I went there to get all of it straightened out on XX/XX/XXXX.  They told me to give it another week to be sure nothing else comes through and they would get it all figured out and refund all of the charges that the bank computers had added on. I went back a week later on XX/XX/XXXX. I  got the balance minus all of the charges and fees of {$290.00}. The teller said XXXX, now the branch manager would have to refund those funds and would not be in until the next day. She took mine and my husbands phone # 's for XXXX to call. I waited until after lunch of the XX/XX/XXXXand then called XXXX. That's when she told me that those funds would not be refunded. 
Please help me get these charges and fees refunded to me. Our checking acct. was closed. Two {$25.00} charges were because my husbands paycheck was not auto deposited into that acct. The acct was closed. Other fees were items that went in that they paid on a closed acct. And then charged us overdraft charges. A couple of withdrawals were charges I had reversed as we should have not been charged at all. Key Bank still is keeping the overdraft fees even for those items. The actual charges were deducted from the money they had in the acct. from the expense checks auto deposited to this closed acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: I have a Sams Club Credit Card account which had become past due because of unemployment and illness. I made financial arrangements paying the monthly amount required since XX/XX/XXXX through XX/XX/XXXX. I paid the minimum amount due to bring the account current XX/XX/XXXX on the Sams Club Credit Website which indicated the account was open and upon payment the account would be in good standing. As per the representative I spoke with, upon paying that amount the account would be considered in good standing and available to use for purchases. When checking that the payment was posted on XX/XX/XXXX, the account now says it is closed due to serious delinquency. Had I known that this would take place, I would have made arrangements for recurring monthly payments instead of this lump sum which I could have used to begin bringing other accounts current. I have sent an message on the account website.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NY).
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: XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA failed to properly notify me of the date and place of the sale of my repossessed vehicle or prove me a opportunity to purchase my vehicle back .Upon receipt of the notice of intent to sale Santander simply stated my vehicle will be sold before a specific date. When I contacted santander I was told I did n't have the right to personally appear at the auction and they are not required to tell me the date and place of the auction. I have communicated with Santander and have been told the repossession was legal and I had no right to purchase my car back outside of a direct transaction with Santander. I told them that my state requires them to notify me of the date and place of the auction in writing so that I can purchase my vehicle back. I was told to sue them. Attached was the only letters I received from Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with Enova International, Inc. (TN).
Issue: Taking out the loan or lease

Complaint: These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. 

This credit card is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

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 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.

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 08/23/2017 about Checking or savings account (Checking account) with BOK FINANCIAL CORP (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.

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 04-12-2016 about Mortgage (Conventional fixed mortgage) with AMERIFIRST FINANCIAL, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: AmeriFrist pulled my wife 's and my credit on XXXX for what they claim is to sell our loan. Unfortunately, AmeriFrist sold our loan to XXXX back in XXXX. 
Below is what has transpired with AmeriFirst. 


XXXX/XXXX/XXXX XXXX made a hard credit pull on our credit. 

XXXX/XXXX/XXXX I called XXXX to see what the hard pull was for. XXXX told me that is came from The AZ branch of AmeriFirst. 

XXXX/XXXX/XXXX I called Ameri First and they transferred me to you. I explained to XXXX XXXX at AmeriFirst what was going on and XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX After a week went by and I heard nothing. I called XXXX XXXX at AmeriFirst back. XXXX XXXX at AmeriFirst explained to me that " that when we went through Ameri First to finance the purchase of our new home we signed a " Blanket '' statement allowing Ameri First obtain any information they needed to sell our loan on the second market and that includes hard credit pulls ''. I asked how many times will Amerifirst pull our credit? XXXX XXXX at AmeriFirst said " As many times as they want, but the credit report is good for 90 days. Did n't you read what you signed? '' I requested a copy of the " blanket '' statement and our credit report. XXXX XXXX at AmeriFirstsaid no problem and that we would also would receive a letter from your legal department explaining what is going on. 

XXXX/XXXX/XXXX I called XXXX XXXX, who has serviced our loan since XXXX/XXXX/XXXX. I explained to them what was going on and asked if they were trying to sell our loan. They told me no they are not selling our loan and they do not know who AmeriFrist is. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst and explain to you what XXXX said. You said the same thing again " AmeriFirst has the right to pull your credit when we are trying to sell your loan. '' I then asked " Why would Ameri Frist need pull our credit to sell our loan? XXXX is servicing our loan and has been since XXXX? '' XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX We received in the mail a copy of the " blanket '' statement, the HUD and a letter from XXXX XXXX at AmeriFirst stating the same thing about selling our loan on the second market and how AmeriFrist has the right to pull our credit. There was no credit report or letter from AmeriFirst 's legal department. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst to ask what is going on and to call me back. 

XXXX/XXXX/XXXX XXXX XXXX at AmeriFirst called left me a message and asked me email you my complaint and what my expectations are. 



Since my loan servicer does not know who AmeriFrist, and AmeriFrist no longer has anything to do with our loan since XXXX of XXXX it makes no since why AmeriFrist would pull our credit in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

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