milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Hello! I have a Visa Barclay card. I was added as an authorized user by my ex boyfriend ( which I consented to at the time ) ; we broke up about 1.5- 2 years ago. I 've asked him several times to close this account and he has n't done it. I 've called the number on the back of the card ( XXXX ) twice and they stated both times that without the last 4 numbers of the primary account holder 's SSN, their DOB, and the phone number on file for the account they ca n't even access the account to close it. I have n't gotten any further than this with them. I do n't know if the primary account holder is him or his dad, or any of this information as it would appear on the Barclay account. I 've asked them several times and they say they ca n't help me at all without all of that information. I do n't want to be stuck on this account forever just because some guy I used to date and his dad wo n't answer my calls or texts. It 's also just beyond me that without this information they are wholly unable to help me in any way to just close the card and get my name off that account. It 's very frustrating that this card is in my name, attached to my credit report, was opened with my social security number, and they are telling me I have absolutely no control to close a card that is attached to me in a personal way. His dad also just declared bankruptcy and I just do n't want my name tied to them anymore. Please help me close this card out, Barclay wo n't!

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX    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 explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.

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 12-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with ESCALLATE, LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. 

Escallate LLC acct # 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 explanation
Consumer complaint received 03-03-2016 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is listed  4  separate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.

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 04/15/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (VA mortgage) with AMERISAVE MORTGAGE CORPORATION (MD).
Issue: Application, originator, mortgage broker

Complaint: I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX  XXXX XXXX XXXX, IS NOT BONDED IN THE STATE OF TN TO COLLECT DEBTS. THIS IS A VIOLATION OF THE TN RULES OF DEBT COLLECTORS. COLELCTION AGENCIES MUST BE BONDED AND LICENSED IN TN IN ORDER TO COLLECT A DEBT. 

XXXX XXXX XXXX XXXX, LICENSE HAS BEEN EXPIRED SINCE XX/XX/XXXX ACCORDING TO THE STATE OF TN DEPT OF COMMERCE AND FINANCE. 

THEY ARE REPORTING A DEBT OWED TO ALL THREE CREDIT BUREUS IN THE AMOUNT OF XXXX, OPENED XX/XX/XXXX. 

Tennessee Fair Debt Collection Practices Act 62-20-105. License requirement. 
( a ) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

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 01-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Consumer Loan (Vehicle loan) with U.S. Auto Credit Corporation (FL).
Issue: Managing the loan or lease

Complaint: I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 08/15/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (NY).
Issue: Making/receiving payments, sending money

Complaint: I am a beneficiary on my father 's account and CD 's who passed away and owns XXXX CD 's. The bank has cashed in the CD 's and has contacted me on many mistakes they made on distributions. The bank has requested the original distributed money be returned so they can recalculate the correct distribution. I requested the bank provide a full reporting of the total amount of each CD and they have refused. I do n't trust the bank and will not return any monies until I have an understanding of the full amount of each CD. 
Please advise on my rights.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: This loan goes back to XXXX when I became homeless, and lost my job due to XXXX XXXX in XXXX. I have a balance of {$20000.00} I believe, I am currently in XXXX school and I received a call from ACS, I told them that I am in school and my loan should be in deferment. XXXX XXXX XXXX has posted the information to the XXXX XXXX where XXXX XXXX my present loan servicer was able to access the information. If I am in school am I supposed to have the XXXX school send information to ACS directly, or is it their responsibility to get the information from the XXXX XXXX? 

I do not want them to adversely affect my credit because of this. 

Please let me know what my options are?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Customer service / Customer relations

Complaint: Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )

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 03-09-2018 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 is missing that should be on the report

Complaint: XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

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 Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: #NAME?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company response to consumer: Closed with explanation