milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (GA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I am sending this complaint  on Sychrony   Bank American Eagle Visa ca rd. I am upset that the company reduced my credit limit to make my debt usage on the card  XXXX  %. This reduction caused my  credit score to be affected by   XXXX   points. The company sent me a letter showing my score wa   XXXX  and my attachments show my new score. When I called to inquire the representative told me it was systematically done and there was nothing they could do about it. I have had the card for  XXXX  yrs along with  XXXX  other  Sychrony bank cards and ha ve never paid late. My limit was {$3900.00} and my balance {$1600.00} and my limit was dropped to {$1700.00} for no reason at all. I would like for this company to reinstate my credit limit on this card immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.

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 07-09-2016 about Bank account or service (Checking account) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Deposits and withdrawals

Complaint: Santander Consumer USA took an unauthorized withdrawal from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Installment loan) with loanDepot.com, LLC (AK).
Issue: Managing the loan or lease

Complaint: I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX XXXX notified me on XX/XX/XXXX that the interest rate on my consolidated loan in XX/XX/XXXX was going up from 5.5 % to 5.625 %. My balance is approximately {$210000.00} so it is a significant change. The letter stated no reason for why the interest rate was going up as it was supposed to be a fixed rate consolidated loan, not a floating rate. When I called, the customer service department stated that at the time of the consolidation of the loan in XX/XX/XXXX, the interest rate on one of the loans that was consolidated was published incorrectly back in XX/XX/XXXX and as a result the rate overall was now incorrect. There was no explanation on why the mistake from XX/XX/XXXX was only discovered in XX/XX/XXXX or why it was not discovered back during consolidation in XX/XX/XXXX. 

I fear that I am being ripped off here and I asked them to put the explanation in writing. I was told by the customer service person that they would request their manager to be able to put this reason in writing. I do not know if they will actually do this but I 'm hopeful. I 'm not sure which published interest rate they are talking about and why this mistake could only have been discovered now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company reported my payment as late and it was 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 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inacurate information, and accounts that are not verified

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 04/14/2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (MO).
Issue: Shopping for a loan or lease

Complaint: An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Original account/debt was with XXXX. 
XXXX wrote off account. XXXX had the account with two inaccurate amounts {$160.00} and {$100.00} appearing on my Transunion credit report even though the account was assigned to XXXX XXXX XXXX Client Account # XXXX for only the amount of {$100.00}. XXXX then sold account to XXXX XXXX, XXXX account # XXXX. XXXX   offered me an opportunity of a lump sum reduction of {$36.00} which I paid should be reported as " satisfied in full '' on Transunion report and a letter stating the account was satisfied. 
The paymentTrace number Is XXXX XXXX XXXX. The name of the person who accepted and processed the payment at XXXX was XXXX XXXX XXXX XXXX Ext XXXX. 
I AM asking for help to remove two derogatory and inaccurate marks on my Transunion Credit Report. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A loan was taken out for XXXX and disbursed XXXX/XXXX/XXXX and out of school date was XXXX/XXXX/XXXX under loan # XXXX. Co-signer #. XXXX. Payment of XXXX was made in XXXX/XXXX/XXXX and late fee of XXXX. The account balance should be approximately 14,000 with interest and late fees. In the mean time IRS refund checks under XXXX XXXX XXXX XXXX From XXXX - XXXX are being sent and directed to U.S. Dept of education national payment center, XXXX. XXXX XXXX, XXXX XXXX XXXX. I am told that the account was referred to this company for collection. This company created a new account under XXXX and claiming the amount due is XXXX. I believe that the aes and this company is accepting and making the account owed double. I would like to have the IRS make this company send those funds to the proper payment center in XXXX XXXX where the account originated. I would like to have the daily compounded interest and late fees adjusted properly from XXXX. Any questions please contact me at XXXX or email me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Alorica Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file

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 Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (DC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!

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 08-03-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (SC).
Issue: Using a debit or ATM card

Complaint: Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

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 08/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Settlement process and costs

Complaint: Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 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 like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Auto) with Accelerated Financial Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Car was a lemon and was returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Credit card () with Element Global Services (WA).
Issue: Other

Complaint: I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with ESCALLATE, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed