vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I would like to report unfair and deceptive treatment by Macys when I applied for a Macy 's American Express Card on XXXX/XXXX/XXXX. I specifically applied for the card to receive a 20 % discount. The discount was eligible for use along with the 25 % off promotion in effect on XXXX/XXXX/XXXX. The application was denied at the point of sale. I was surprised because I already have an XXXX XXXX card in good standing and my current credit score is above XXXX. I called Macy's/DSNB while at the store and after more than XXXX XXXX hours on the phone, I learned that they denied the application due to a delinquent debt from XXXX XXXX, nearly 8 years ago. The debt became delinquent, and subsequently charged off while I was in the process of divorcing. I became a single mother of XXXX boys, pregnant with my XXXX child and unable to get a job due to the economy ; thus unable to pay any bills. However, once I was employed I paid and/or settled all of my outstanding debts ( more than {$70000.00} ), including the Macy 's card. I paid the Macy 's debt on XXXX/XXXX/XXXX to the collection agency as a settlement. During my XXXX XXXX hour long call with Macy 's on XXXX/XXXX/XXXX, I was told that if I paid the 'balance due ', they would approve the credit. I was not aware of a balance due because they agreed to a settlement and provided me with a settlement letter. In addition, the credit bureau showed the debt paid in full with a {$0.00} balance after the debt was settled. I have abided by a very stick budget since my divorce and I saw the discount as an opportunity to minimize spending. I am very aware of the implications of a credit inquiry on my credit score, so I carefully read through the terms and conditions that was at the checkout register. It did not indicate anywhere that a delinquency from XXXX would be used against me ; otherwise I would not have applied. The XXXX paid delinquency remained on my credit report until XXXX ; which, although it was settled, affected by ability to obtain credit. Now, I will have a Macy 's credit inquiry that will undoubtedly affect my credit score which I worked so hard to rebuild. I feel that Macy 's should have disclosed their policy on prior delinquencies, in a clear and noticeable location before the application was submitted. Also, I do n't understand how Macy 's was able to decline a card co-branded by XXXX XXXX. At this time, I am concerned that XXXX XXXX will close my existing card and this may affect any other credit that I have. I am also concerned that the lack of disclosure will affect my ability to obtain a new mortgage this fall. 
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account. 

I began by filing a dispute with XXXX, but the inquiry remained. 

I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained. 

I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information. 

SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.

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 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: OH

Complaint narrative:
I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CO

Complaint narrative:
There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: PA

Complaint narrative:
Was not given correct or adequate information on loan repayment options and have had issues with payments not being deducted from loan amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: KY

Complaint narrative:
National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I am so frustrated with this student loans system and all the red tape. Last year I switched my student loans to Fedloans since they are apparently the only company that deals with " Public Forgiveness '' Loans. I have been working as a teacher for the last 12 years and have never been able to make full payments because my income is so low it never reaches the level for normal repayment. So basically I have been on the IBR system all these years. Before Fedloans I had Navient and several other servicers before that because they sell the accounts to each other I guess. I have always had trouble with sending my salary information because my paychecks show what I make during 10 months out of the year. It does not show that I do not get paid for the time I do not work in the summer. My yearly adjusted income hovers between the XXXX and XXXX mark on my tax returns but my paystubs show a gross of someone making XXXX per year. I always have to argue this with the loan servicer. There are several complaints I have and it takes more than XXXX words to unravel all the issues and complaints I have. I will try to create a list. 
1. They " lost '' or do n't have evidence of all the " eligible payments '' I have made over the past twelve years or at least since the law changed in 2007 for the loan forgiveness. When they switched over my account from XXXX they did not switch my payment history. 
2. They have sent me a request for documents and an application for IBR three times in the last year. Every time I send them the information they botch my application and cause my account to default and show " late payments, '' destroying my credit score every time. I sent them my application XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX and most recently now XX/XX/XXXX. They are still processing " the application. '' 3. Every time I call I get the run-around. I get responses like " the application is being processed. '' Then I call to follow up later and they tell me they " did n't receive my application. '' So how is that possible? Then I call back to try to speak to someone else and they tell me the application is " missing my signature. '' Meanwhile my loan is showing XXXX plus days late on my credit bureau for mistakes they are making. My previous payment was XXXX/ month and now it 's XX/XX/XXXX/month. That 's greater than my mortgage. 
4. I called again this last Thursday and I was told to file for consolidation online because " I qualify '' according to their customer service rep. So I did that and not 48 hours later I get a notice that the " application has been cancelled '' because I " do not qualify. '' I 'm at my wits end. Please help. Than you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a fraudulent charge on my Macy 's American Express card, which is serviced by Citibank. I filed a fraud investigation with their fraud department and was told I would n't be receiving phone calls, yet I did receive numerous phone calls. Sometimes when I picked up, they would hang up. When I did n't answer, they left no messages and then would call back a short time later. This past Saturday I received 7 calls from the number XXXX. When I finally spoke to the fraud department I was told my claim had been taken care of and that I would have a XXXX balance, and would n't be receiving phone calls any longer. Today I have received 3 calls so far from the same number, XXXX. I answered once and they hung 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 monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has repeatedly charged me overdraft fees of {$35.00} on charges instead of declining them. When I inquired about the charges, the representative told me that I had signed up for overdraft protection. The only overdraft protection I ever signed up for was when I had my checking and savings accounts linked, and if my checking was short then they 'd transfer it from my savings. I did not sign up to be charged this amount for not having enough funds for as little as a {$5.00} charge. 

They are also not allowing charges to post when they are incurred. For example, I had a charge for my child 's tuition and XXXX bill come through on my account, and saw them posted. The next day the charges were gone and the money was back in my account. Then a couple of days later, the charges were there again. This type of back and forth can make someone think there is more money in their account than there actually is. I recently had a charge on XXXX/XXXX/16 and it did n't come through to my account until XXXX/XXXX/16. By that time, my account was overdrawn and that {$20.00} charge ballooned into {$55.00} ( with their {$35.00} fee added ). This has happened to other people that I have spoken to also that have accounts at 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 monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Reason for Contact : To file a complaint against Wells Fargo Home Mortgage. The matter does not concern the mortgage directly, but it involves their policy in change of flood insurance requirements. Due to their lack of notifying their customers in a timely manner it causes the customers additional out of pocket funds. I received the attached letter XXXX XXXX, dated XXXX XXXX, XXXX that the new policy was in effect as of XXXX XXXX, XXXX. The receipt of this letter was about a month after the effective date and 19 days after my flood policy renewal date. Had I received this letter the beginning of XXXX I could have recalculated accordingly and not have over paid for flood insurance. When I contacted Wells Fargo 's customer service, even though they were apologetic, I was told that there is nothing they could do about it. I was also told if I provided XXXX with a copy of this letter that I could be reimbursed for the over payment of flood insurance. My insurance man submitted all the forms to XXXX and was told it can not be done until the next renewal date in XXXX, meanwhile I 'm out the extra money and feel Wells Fargo should be held accountable for their actions. How can they keep treating their customers with such a lack of respect and continue to get away with it? They need to be held accountable!

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