vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
XXXX. 

Bank in question : BB & T, XXXX. 

Problem : I have an existing account, a basic senior citizen checking account. The account was opened when the bank was XXXX XXXX, now taken over by the unfriendly mindless outsider, BB & T from XXXX. They are completely clueless. I was sent an e-mail, informing me that my new printed checks and ATM card were ready for pickup. I had a mind-numbing conversation with XXXX XXXX, at XXXX XXXX XXXX XXXX branch.. Phone number XXXX,. Fax XXXX, e-mail : XXXXXXXXXXXX. I presented my expired XXXX driver 's license ( no longer drive : laminated plastic including, my photograph, plus a Blue Cross/Blue Shield card, embossed by Blue Cross with my name, an XXXX XXXX member card, also bearing my name, and my official Senior Citizen XXXX-issued bus pass, valid anywhere in the state of XXXX, funded by proceeds of the state lottery, also bearing my full name, card number XXXX. 
BB & T REFUSEDto hand over my new card and checks, stating that, their doofus " policy '' required a current photo identification card. I explained to XXXX XXXX, several times, that I wanted my money, earned thru years of XXXX. She claimed she would NOT be able to comply with my request without the silly photo i.d . card. UNACCEPTABLE. I deposited the money, a United States Savings Bond, XXXX, assuming I could spend, my personal savings towards a few items I planned to purchase prior to XXXX holiday ; XXXX, a digital camera, a few gifts for family members, etc. BB & T is holding MY MONEY hostage. I demand both state and federal agencies with oversight of banking regulation compel BB & T to answer the question : Why ca n't I withdraw MY MONEY??????????????????????????? 
BB & T should be, held liable for my incovenience.. Someone should be compelled to testify, under, oath, concerning BB & T 's mysterious attitude towards cosumers, which is cold, non-caring, and simply not acceptable. BB & T should leave the state if this the norm. 
XXXX consumers demand and deserve better. Period. I served FOUR YEARS 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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer.

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 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report had hard inquiries not allowed by me not sure if it 's for marketing but I 've written equifax XXXX and XXXX to no avail about this. Many hard inquiries are against my permission : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have a credit alert on my account and I 've written each company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Over XXXX years ago I was on a note with my ex husband. We divorced, he let auto get behind. I talked with XXXX. Paid the amt told to pay without having a repossession on my credit. They still reported it as paid charged out. Can i please dispute this and get it removed. I paid over XXXX dollars to prevent this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.

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 2017-03-24 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: TX

Complaint narrative:
At the beginning of XX/XX/2016, my income was incorrectly calculated by FedLoan. Because of their error in calculations, my income-based monthly payment was approximately 3x higher than it should have been, and it was impossible for me to pay. When I contacted FedLoan, they told me that the only solution to the problem would be for them to conduct a review of the situation and try to sort it out. When I asked how long this would take, they said it could take up to 3 months after receiving additional paperwork from me ( paperwork I had already previously completed and submitted months before ). They also said I would have to pay the incorrectly calculated monthly payment ( & gt ; 25 % of my take-home pay for the month ). They asked for me to resubmit my proof of income, and they also made me complete ( AGAIN ) another income-based repayment enrollment request and mail it to them. I did all of this. Over a month later, I called for an update and there had been no progress. One individual I spoke to said that the additional paperwork I sent had been received, but had been incorrectly filed. Therefore, they needed me to send it again. Because I could not pay the incorrectly calculated monthly payment amount, they said my only option was to put my account into forbearance. Keep in mind, I had been making monthly payments on my loan since I graduated from school - NEVER putting them in forbearance or deferral. I filled out their paperwork a third time and submitted it. Over the next 4 months, I called FedLoan monthly to check in with them, wasting hours of time waiting on the phone. Over these 5 months, I had to put my account in temporary, monthly FORBEARANCE FOUR TIMES since they could not get their act together. ( 1 ) During this time, my student loans accrued & gt ; {$5000.00} in interest, which was not being paid down since I could not make the payments THEY incorrectly calculated on my account! ( 2 ) Furthermore, I missed out on & gt ; 5 payments that would have counted towards the 120 payments required for the Public Service Loan Forgiveness Program. ( 3 ) Finally, as I was not able to make my normal payments on my account, I wound up paying 50 % less on my loan than I did last year, which negatively impacted my tax return. All of this ONLY because it took FedLoan & gt ; 6 months to resolve a simple issue which was their fault. Who is going to compensate me financially and personally for the repercussions of their mistake? They certainly have n't, nor have they apologized, or improved any part of their customer service process.

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

Complaint narrative:
I have been trying to contact XXXX and AES in regard to my student loans made for XXXX school. I have been trying to resolve my debt/ issue. Neither will allow me to obtain information in regard to my status. XXXX did tell me that I am in litigation, but will not give me information on how I can resolve my debt. AES states that my loans are in their specialty department but can not give me any more information. I can access the AES site online, the information there states that my next payment is due on XX/XX/2016, that I have XXXX HEAL loans owned jointly by them and The Pennsylvania Higher Education Assistance Agency ( PHEAA ). I called PHEAA who told me that I should be able to contact AES and get resolution, but I ca n't. I am locked out of XXXX website and can not gather any information. I did contact Navient but they stated that they can not give me any information. XXXX did give me a phone number for The US Department of Education who advised me that my Federal loans are in good standing. They stated that AES and XXXX should be communicating with me to resolve this issue. They forwarded me to The Ombudsman who reaffirmed the opinion given by The US Department of Education.. I was given this offices information to assist me. 

I am a veteran, XXXX through XXXX, have been homeless and am living in a transitional VA facility where I have been getting assistance in transitioning back to the community. I was hospitalized for 3 months at the XXXX VA hospital for XXXX where I received XXXX- they left me with XXXX but I 'm now able to think and have been trying to attend to things I need to ( such as my debts ). I am also being assisted by the federal government in regard to my debts. I am also being assisted by The Pennsylvania Department of Labor and Industry for the purpose of reentry back into society as well as reentering XXXX. My desire is to get off of XXXX as my treatments have substantially helped my recovery. My hope is that I can obtain assistance in handling my educational debts. While I am not certain, I assume I am in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.

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 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am the Rep. of my sisters estate. I called Synchrony Bank to get the balance that was owed before it went into collections and I was told they could not give me that info due to the fact it was closed out. I in turn said you are the bank that held this account and they still refused to give me the info. I wanted the exact amount owed before any interest accrued and she repeatedly told me they do not have that info. This was for a Walmart card and I am trying to take care of the bills for the Estate. Synchrony Bank is refusing to work with me on this matter and having to get in touch with XXXX debt collector is causing much XXXX, I just want to get htis over with.

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 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. 
I closed that checking account and opened a new one. 
I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). 

The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ). They did not do their diligence in obtaining the approval to complete a additional loan modification to assist the client in obtaining their loan with the VA.

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 2016-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: GCFS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation