milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit card () with STATE FARM BANK, FSB (OH).
Issue: Customer service / Customer relations

Complaint: I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.

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 01-03-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.

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 05/19/2017 about Debt collection (I do not know) with Equitable Acceptance Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consolidation company called. They apparently have 2 names " XXXX XXXX '' and " equitable acceptance '' They said they were consolidating my loans, I had 2 originally. However, after signing with them I have 3. This is quite confusing to me. They are emailing and calling, numbers I did n't even give to them. They are also threatening. I have n't sent any payments and when I found out this was a scam I turned off my card and changed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: Back in  XXXX  of    2017  I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number :  XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that.     Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on  2017  taxes. I have qualified for t he Homestead Exemption  in  XXXX   XXXX  GA for  2017  so my taxes should go down. I actually received an estimate fr om the county  in  XXXX  and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution.     I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I  'm tired of the games and the backlash

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am among the people affected by the Equifax security breach. It is unacceptable that Equifax handled data this important with so little security around it, and now I have to worry about identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: I came into PNC 's XXXX XXXX location to open the accounts on XXXX/XXXX/14, however the slips are dated XXXX/XXXX/14. I did not fill them out. The person who opened my accounts, XXXX XXXX XXXX, is the one who filled in both deposit slips. This issue is with the deposit into the checking account- it is off by {$12000.00}. I was n't given credit for the correct amount of the certfied check deposited. The checking account deposit was {$2000.00} in cash plus the certified check. The amount of the check was {$16000.00}, but I was only given credit for {$4800.00}. The total deposit amount for the checking account should have been {$18000.00}, not the {$6800.00} I was credited. If you look at the deposit slip you can see the errors XXXX XXXX made. At the same time I opened the checking account, I opened a savings/money market account in which there was a cash deposit of {$12000.00}. After speaking with customer service many times and getting nowhere ( I kept being told that the error would be corrected and to wait a few business days for my adjusted credit to post ), I escalated my dispute and it was sent to PNC 's Retail Escalation Department. I initially heard back from XXXX XXXX in their Retail Escalation Department, who left me a voice message stating she investigated my dispute, saw the error made by XXXX XXXX, and would contact me again once the missing funds were posted to my account. The dispute I made was only regarding the deposit error made to my checking account. The deposit slip and credit appiled to the savings/money maket account was correct and therefore there was no reason for me to make a dispute for that account. I later got a call from XXXX XXXX in which she made the assumption that the certified check was split as I could not have had a total of {$14000.00} in cash with me ( I was given no basis for this assumption ) when I opened the accounts and that my dispute was being closed. I have spoken with cusomer service multiple times and have been told there is no documentation reflecting/supporting the determination by XXXX XXXX that the certified check was split. I went to the local branch and was told by the manager that only the Retail Escalation Department can do a credit adjustment for deposit errors. PNC 's policy for disputes is to issue a provisional credit 10 days after that dispute number is opened. In order to avoid giving me a provisional credit of {$12000.00} PNC keeps closing out my disputes without giving me notice it is closed. I am not given a reason why or who closed it. I keep calling customer service, am told my dispute is closed, and then have to open a new dispute. I ca n't reopen a closed dispute and the new dispute restarts the 10 day clock for the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Capital Management Services, LP (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Was called by them, long story short, I was threatened to have wages garnished, told I had a summons ( which I called and there were none ). Continues to call and leave harassing messages with the business office of the company I work for. Continual harassing calls to my cell phone. This company is engaging in bad and illegal debt practices. These calls to my employer and to me need to stop immediately. They are against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out XXXX students XX/XX/XXXX from Navient. I deferred them for 18 months and have been a perfect pay ever since. The original balance was {$37000.00} and XXXX. Today they are {$59000.00} and {$60000.00} with perfect pay record? I have paid them over {$50000.00}. They adjust my payment annually based on my compensation. They even recommended I sell my car so they can raise my % rate by XXXX. Please let me know what I can do to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List. 

Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida. 

The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Using a debit or ATM card

Complaint: For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Private student loan) with First Associates Loan Servicing LLC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased products at an XXXX XXXX outlet in XXXX, NH in XXXX XXXX and was offered a discount if I signed up for a credit card and I agreed and was issued a paper credit card. 

I received my bill at the end of XXXX XXXX and paid it the first week of XXXX XXXX. I then received a notice that they received my payment but it was 10 days late so I incurred a XXXX dollar late fee. I called and asked for a XXXX time only forgiveness because it was my first use of the credit card. 

I was denied so I cancelled the account and never used it again. 

The next month I received a bill for XXXX dollars then for XXXX dollars. 

I have called Comenity Bank but they have refused to forgive my late fees and today I owe XXXX dollars. 

They have agreed to stop adding to my bill as of XXXX, XXXX, but stand by the XXXX dollar fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Student loan (Private student loan) with Allied Interstate LLC (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had a foreberance on this loan back in  XXXX  because I had lost my job, after which   XXXX   XXXX   XXXX   made no attempts to contact me, I have had no contact with the loan provider since that  time.  XXXX    years ago, they attempted to take our federal income tax return, since this is my debt and not my husband 's, he had to file an  XXXX  spouse for to get his portion of the return back. The only information I could get from the IRS was the loan was sold to the government. Last month, I get a letter from  Allied Interstate, LLC t hreatening to garnish my wages, up to  XXXX  %, for repayment of the loan. I made an attempt to contact them, they kept telling me I need to pay the loan in full and they could help me do that over the phone. When I told them I could not pay the amount in full, they said, well you will have to wait until we send you more paperwork. About a week later, I received information in the mail again asking for all my financial information. A couple of days ago, I received a letter from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , saying that I have a hearing scheduled for  XXXX   XXXX , in which they will decide how much of my wages they can take.  Allied  has sent me a statement of payments, there is an additional {$10000.00} worth of collection fees, etc added to the loan. Also, I was charged an additional {$17.00} each time they had to send a portion of my tax return back. There is no indication on this statement where the portion of the money that was kept was ever applied to my account. I have made numerous attempts over the years to get in contact with someone about this loan, with failed attempts. The loan information is not on my credit report as a default or open collection, etc as of   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with Northstar Location Services, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A XXXX from North Star Location Services continues to call my personal cell # looking for my daughter XXXX XXXX. He also harasses her along with her father for some unknown debt.

Company response to consumer: Closed
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received from Trident Asset Management, LLC XXXX XXXX XXXX XXXX GA XXXX. Account # XXXX a collection letter stating they purchased from another collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX a former XXXX bill of mine dated XX/XX/XXXX 

I have written back to them stating this bill has long been paid directly to XXXX and as a matter of fact I currently have service with XXXX. Anyone who has ever had service with XXXX knows that you can not get new service without paying any previous service in full. I don't know where these companies are getting their information since I have never known XXXX to use an outside source to collect debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.

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 04-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''

Company response to consumer: Closed with explanation