milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2016 about Student loan (Federal student loan servicing) with Vermont Student Assistance Corporation (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended college, earning a XXXX degree back in 2001. I 've been making payments on my loans ever since with the exception of a couple periods of forbearance when I was having a hard time financially. It is now 15 years later and I am still making my monthly payments on time every month ( $ XXXX/month ) and my total balance is INCREASING due to interest. I can not afford to make bigger payments and every time I call the company, they will not help and threaten to take the money from my paychecks if I stop paying. I 've never threatened to stop paying. I just want the obvious problem fixed. I think that most of my loan could have been paid off by now. I have suffered immense stress over this issue. I can not save for retirement and every month that I make a payment is like throwing {$290.00} in the garbage. I feel that this is a case of predatory lending. PLEASE HELP.

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 card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX phone number XXXX, extension No.XXXX is a mean person whom Bank of America has appointed to handle my problem. 

I called him several times and he has n't shown even the slimmest sign to solve my problem. 

He is a Liability on Bank of America who is taking the salary and not performing. 

I called him several times and left voicemails but he does n't even care to call me back and solve my problem. 
After speaking with him, I have got another bill from Bank of America for {$2800.00} and they are asking me to pay {$44.00} every month, what the XXXX.. What is XXXX XXXX doing ????? 

Out of no where I recieved this bill, What is XXXX XXXX doing? Is he on a holiday or a cruise where he could n't pick up the phone?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I have a checking account with Wells Fargo. Carry large balances in the account. I opened a XXXX XXXX trading account to buy some XXXX. I set it up as a ACH from Wells Fargo checking account in the amount of {$5000.00}. Seven days later, XXXX XXXX sent me an email saying trade was cancelled because XXXX did not honor the ACH. I went into the XXXX branch and they said there was a hold on the account due to a suspicious ATM Card charge. I was never notified that there was a hold on the account. No email, call, nothing. The cancelled trade has cost me over {$5000.00} and i am going to go after the bank. I have been speaking with the branch manager and she has not been helpful. I have asked for proof of the attempt to contact me and have gotten nothing. This is unacceptable. Wells Fargo needs to be responsible for this.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX has been debiting my Credit Union Checking account each month since XXXX XXXX 2017. I never authorized these debits from my account ( see uploaded documentation. I made several calls to XXXX attempting to determine who used my account information and made it clear that I did not authorize these debits, stating this was fraud. XXXX could not tell me anything about the transactions and that I would have to dispute them with my Credit Union. XXXX is culpable I 'm this fraud as they obviously never verified that the person using my account information was me, XXXX XXXX. 
My Routing # is XXXX My account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing statement

Complaint: On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Mortgage) with 21ST MORTGAGE CORP. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 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: Public record information inaccurate

Complaint: Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted Equifax and XXXX via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX,  CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report. 

2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.

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 12/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Bank account or service ((CD) Certificate of deposit) with DISCOVER BANK (PA).
Issue: Deposits and withdrawals

Complaint: I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

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 07/20/2017 about Debt collection (Medical debt) with Southern Financial Systems, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of debt and gave m upon notification I have informed collector that account does not belong to me several times

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I fell for TransUnion Interactive 's Credit Report and Monitoring offer of a {$1.00} trial, only to discover that there was no usable information included ( like my credit report ). For that, I had to sign up for another $ XXXX, which I did, naturally with the understanding that I would have full access to all three bureaus ' reports for 30 days. Not only were these SIGNIFICANTLY limited versions of my credit reports ( compared to the free reports from all three agencies I obtained a month ago ), making comparison all but impossible, I learned today that you ca n't actually access them for 30 days if you do n't pay an additional {$17.00} within 7 days to continue the initial " membership. '' And of course, there is no refund for this bait and switch ... all I could do was cancel both the membership and the credit report access before I got automatically charged for renewal, and as a result I immediately lost all access to even this limited information. This is a SCAM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter dated XX/XX/2018 on XX/XX/2018 and it states credit reporting alert and it states I have a balance with XXXX XXXX XXXX insurance for a bill of XXXX. I have never received a bill nor do I know why I owe a bill I asked the rep by the name of XXXX  and when I requested proof of debt she indicated she wouldn't be able to send it to me because she is the collection agency. I advised her I don't understand how she can collect if she doesnt know why i owe a bill. she then indicated she is not required to do so. I would like this removed from collections and not to affect my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation