milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/2018, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXXof each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, Suntrust. The company ( XXXX, XXXX XXXX XXXX..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank Suntrust in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as Suntrust claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by XXXX that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. Suntrust failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place. They are literally one of the worst banks to work with, even after sending in all of the proof that the car was paid off on the XX/XX/XXXX, and the payment was still pending on my bank account until the XX/XX/XXXX, meaning that the payment was never applied to my car loan.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Credit Bureau Re :  Unauthorized credit inquiries account # XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX   XX/XX/XXXX 2017 To whom it may concern : I recently received a copy of my credit report and i noticed inquiries i did not authorize and which i do not have knowledge. Please be advised by law no inquiries can be placed on my credit without my authorization. I am requesting that this inquiry is removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I received a notice from Navient saying they were changing the terms of my student loan. They added an extra 10 years to the payment plan. This will add thousands of dollars in additional interest to my loan. When I took the loan out from XXXX XXXX in XX/XX/XXXX it was for 20 years and I been paying this off regularly. The loan was to be paid off XX/XX/XXXX. Now Navient wants to move the maturity out another 10 years! I called them on XXXX XXXX and spoke to XXXX ( CSR ), XXXX ( Supervisor ) and XXXX ( Senior Account Supervisor ). XXXX admitted that Navient added the extra 10 years and said he would refer my complaint to a Monetary Report Board for resolution. I have not received a response. I want Navient to honor the original loan terms that I agreed to with XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: As property owners of XXXX XXXX XXXX XXXX, XXXX GA. XXXX, my wife and I decided to change our homeowner insurance policy from XXXX XXXX to XXXX XXXX XX/XX/XXXX. We submitted the documents that were asked of us. Then we trusted that the insurance company and mortgage company would act with our best interest, and had informed of us of all steps needed. 

We released permission to Seterus ( the mortgage company ) to pay the new homeowner 's policy to XXXX XXXX. XXXX XXXX sent a letter to us on XX/XX/2016, stating that due to non-payment the homeowner 's insurance policy was cancelled. 

Unknowingly to us, Seterus had paid XXXX XXXX on XX/XX/XXXX for the policy. Then, they paid XXXX XXXX as well for on XX/XX/XXXX. We did not receive notification from XXXX XXXX that the policy had been reinstated. Nor did we receive notice from Seterus that they had paid XXXX XXXX, and also paid XXXX XXXX. As the homeowner, we were unaware that we had XXXX policies on our home. 

XX/XX/XXXX, Seterus sent a letter to us, stating that we owed approximately {$1900.00} for a deficit in our escrow account. When I called Seterus, they were not able to provide an explanation of why there is a deficit. The letter stated that we could either pay the {$1800.00}, or we they would increase our monthly house payment from {$740.00} to {$940.00}. 

I became aware that there were XXXX insurance policies for XX/XX/XXXX when I received a renewal policy from for our homeowner 's insurance from XXXX XXXX for the XXXX year. I contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are also currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted Seterus who confirmed that they also have on record that both, XXXX XXXX and XXXX XXXX are providing insurance policies on the property known as XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. Paying for the XXXX policies out of our escrow account is causing my family punitive damages, for a situation that was out of our control. 

I would like for Seterus to return the amount of {$610.00} to our escrow account and apply the additional monies paid each month above the {$740.00}, to the escrow account associated with the mentioned property.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Financial Data Systems (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.

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 08/27/2017 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: XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number 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 explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Nations Recovery Center (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Nations Recovery violated several debt collector laws. XXXX. They never verified if they had the correct person when they contacted me and gave personal debit collection information without verifying if I was the correct person. XXXX. The person never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. XXXX. I asked for verification of debt and he stated he would not send it. XXXX. He lied about laws of NY State debt collection and stated to me they will go after MD for XXXX years and not the 7 year limit since date of first delinquency. He also stated he gets money from people that are XXXX from their social security income 70 % of the time after they die. After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away

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 02/21/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

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 card () with DISCOVER BANK (NJ).
Issue: Customer service / Customer relations

Complaint: this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with DISCOVER BANK (KY).
Issue: Other fee

Complaint: Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: I filed chapter XXXX bankruptcy in XXXX 2013. My house was not included in the chapter XXXX bankruptcy. I have tried multiple times through my attorney and wells Fargo mortgage company. This is not being reported accurately on my credit report. It has brought my credit down and i am not getting credt for my house payment. When I do call the attorney he said there is nothing he can do about it. Wells Fargo also has stated the same thing. I have tried for 31/2 years to get this corrected. I need help so i can refi my home asap. I do not know where to turn at this point.

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 EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a collection account on my credit file from  XXXX ,   XXXX    XXXX   XXXX , that has recently been paid in full.     Equifax has this account listed on my credit file twice, same account number, same debt amount, same dates. As I stated, I have paid this debt off recently, and disputed the entries with the Equifax, and pointed out that the entries are duplicate, which both are reported directly from the original creditor. This has been going on sin ce 2013.      I have brought this matter to the creditor, they act like I do n't know what I am talking about. I have disputed the account formally with Equifax, and they continue to " reinvestigate '', then only days later claim the information is reported accurately. I have repeatedly requested the accounts to be deleted from my file since they have been paid in full, which I retain receipt of. I keep getting the run around.     In summary, Equifax is listing the same account twice from the same creditor, as if I had  XXXX  accounts with the creditor. They will not delete  XXXX  and update the other to reflect as paid with a {$0.00} balance, the original creditor says they are ok to have the files deleted since it has been paid, but they claim it is up to Equifax to do so. When questioning Equifax, they claim that the creditor must submit for deletion.     Please help, I am being damaged twice for the same paid account! How can this be legal!? My score is significantly lower than what it should be if properly reported. I now want   XXXX   accounts deleted, as the debt is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the XXXX XXXX XXXX. To date XXXX has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with Comerica (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: XXXX from Direct Express Debit XXXX XXXX ( XXXX XXXX XXXX XXXX, valid thur XX/XX/XXXX. ) send me a debit card. I call their customer service XXXX on XX/XX/XXXX, at XXXX, that I never apply for the card. All the customer service ask and repeated for my social security number only and then they hang up. I did a little research on the web that this is a fraud and now I do n't know what to do now that they had my social security number. The debit card as comerica bank on top right of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: CALLED TRASFERED OUTSIDE THE US, WHERE I WAS TRANSFERED DEPARTMENT TO DEPARTMENT WITH SO SOLUTION TO MY PROBLEM ..VERY LITTLE HELP

Company response to consumer: Closed with explanation