milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is wrong information in my report. 
XXXX Account # XXXX & gt ; I have paid down

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Falls Collection Service Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed and asked for validation of XXXX accounts from falls collection service. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and FALLS COLLECTION SVC XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX two Account Wells Fargo

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I am filing a complaint against Equifax for their inability to protect my personal information. They have been hacked and it is likely that my information has been leaked. On XXXX XXXX, 2017 at XXXX EST I called and had a 90 day fraud alert set for my account. I also requested a credit report from Equifax. Equifax successfully put the fraud alert on my account and the report is clean, but I will continue to follow up with the other companies in a month 's time. If they are going to keep my records on file, Equifax needs to be able to safely protect them against hackers and other third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with DISCOVER BANK (MI).
Issue: Unsolicited issuance of credit card

Complaint: I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: My wife and I were travelling in XXXX, XXXX for our honeymoon. On XXXX XXXX, 2017 we went to the island of XXXX and rented a jeep from a small vendor that approached us off the ferry. 

The jeep rental was around {$70.00}. The jeep was a piece of XXXX. We had it for no more then 6 hours that day as Tropical Storm XXXX was coming in and we had to head back early on the ferry. 

Upon returning from our honeymoon and a couple weeks later, I noticed a charge for {$1400.00} on XX/XX/XXXX. I never charged that much so immediately called Chase Bank to report it as Fraud. They deleted the charge. 

They later said since I was in possession of the card, I approved the purchase, and it 's not Fraud. 

They then sent me to dispute the claim. The dispute people did nothing to help me dispute the claim. 

I remember the vendor saying {$1400.00} is pesos, not US dollars. I was frauded out of more then {$1300.00} dollars while in XXXX. I do n't speak XXXX. I trusted my card would be protected. That someone with a XXXX machine would be a reputable vendor. 

Chase has done nothing to help me fight this and has put the burden of proof back to me. They are too lazy to protect my rights under Regulation E. 

Please fight for my rights and help me get my money back through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with Robinson, Reagan and Young PLLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After pulling my credit report as a  XXXX   year old  in   XXXX   XXXX   I discovered  XXXX  and  XXXX   XXXX  had placed an account onto my credit report with all bureaus. I have absolutely no knowledge of this account and immediately proceeded to take the proper steps to identify the account. After calling and speaking to a rep I was given the name of the original creditor whom I contacted shortly after. After speaking with the original creditor by giving my social I was able to find out that the account that existed did not match my legal first name what so ever. From there it was n't hard to determine that someone had fraudulently used my social security number and attached it to their own name.     I contacted the office several times via written letters demanding that they provide me with proof that the account that existed on file was in fact mine. In my validation request letter I disputed the entire amount, explaining that the account was opened while I was an 18 year full time old college student living in a completely different state.     Each time  XXXX  and  XXXX   XXXX  has failed to respond and provide me with any verification that I owe the debt or any documentation/proof from original creditor. After speaking with a lawyer it is my understanding that under FDCPA, I have the right to debt validation and a collection agency must prove that they have the legal right to collect a debt.     This fraudulent collection account had prevented me from receiving/opening accounts and ultimately caused me a considerable amount of hardships over the past 6 years.I am reaching out to the  Consumer Financial Bureau as  a last step in order to avoid legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 tried several times to have the issues corrected and so far nothing has happened

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 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I qualify for a loan forgiveness program because I work for a XXXX. FedLoan got my loans, and did not inform me they were my loanholders- or that I had my first payment- until three days after that first payment was due. They then informed me via mail, email, and on my account info that my payment date was the XXXX of each month, but they 've been charging me TWICE a month ( the XXXX and XXXX ) and refused to change the loan due date until I was current, which is difficult to do with my finances and the fact that they 're asking for over {$300.00} a month from me. I just managed to do it days ago, and informed them of such ( they asked me to tell them when I was current so they could help ), and they still have n't changed my due date to a singular date on the XXXX, which means that they " ca n't '' change it until I pay them another {$150.00} because that extra payment was due today. From talking with friends and family who use FedLoan, this sort of theft seems to be common with them, and of course no one reports it because only " a few hundred '' gets swindled. I 'll happily pay back my loans, but I ca n't pay them back if the money does n't physically exist to do so. At no point did FedLoan EVER inform me that I was on any sort of " twice a month '' payment plan, and even looking at my account info right now it says I pay on the XXXX. Not the XXXX AND the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS.

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 01/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Closing/Cancelling account

Complaint: Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?

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 05/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a written statement explaining that I applied for a loan modification and was denied because they stated that I had received my allotted time fort a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.

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 07/14/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (LA).
Issue: Settlement process and costs

Complaint: We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation