milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Closing/Cancelling account

Complaint: XXXX would not send me a new card to my new address because I did not have the security code on back of card!!! I decided to pay off card in full after many telephone transfers even to non English speaking county, who did not understand me. I then received a bill for interest incurred ... I paid that fee. After about 6 hours of phone calls my card was never closed. They kept charging me fees which have no explanation attached to the bill. They also refused to allow me to use my {$140.00} in cash rewards. My last attempt to solve the mystery of a XXXX fee and how to use my rewards after being transferred around for the 10th time, I was hung up on ... with no resolve. They continue to bill me for an unexplained fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX, I took advantage of a promotional offer from Bank of America for a balance transfer for 18 months at 0 % percent interest rate. 

On XX/XX/XXXX, I notified Bank of America of a fraudulent charge from XXXX XXXX  that was pending and asked BOA to block this charge. I disputed this charge several times. BOA refused for months to remove the charge from my account although XXXX XXXX confirmed it was fraudulent and cancelled. 

During this period BOA began charging my account interest, and for the next six month refuse to reverse the charge and interest. In addition, raised my minimum payment due based on this fraudulent charge. 

I again reached out to BOA XX/XX/XXXX the assured me the problem would be taken care of and charges reverse. To date, BOA of America has refused to reverse said interest charge and lower the minimum payment due in accordance to the promotion offer. 

BOA is engaging in deceptive and fraudulent business practices in commerce trade and I would like to file a formal complaint and asked CFPB to investigate and enact or enforce laws that would prevent bank from engaging in this deceptive business practice.

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Closing on a mortgage

Complaint: In the last 60 days, I attempted to acquire a XXXX home loan from USAA. 
During the initial process I was asked to lock in a rate. What was not mentioned was that there is a penalty if not closed by the time the lock expires. This was not mentioned until after the rate was locked in and closing was approaching. I was offered the opportunity to buy my way into a better rate. A common practice these days that would be called bribery in any other dealings. The problem here was that the amount of bribe money ( points ) was not comparable to the amount of savings over the course of the loan. 
All documents requested were provided promptly and within the closing window. What would have been helpful is if the list of necessary documents and explanations were available up front. Once their list of demands from the underwriters was satisfied a new list of demands would come up. This happened several times and led to not making the closing date. One particular item of contention was the underwriter 's inability to comprehend investment withdrawal documents that spelled out money transfers and deposits. You would think this sort of thing would be easy for people that are required to track money all day every day. There are many things that USAA does well, mortgage underwriting is not one of them. 
No matter how all the process went there was always someone with their hand out wanting more money to make this loan happen. From paying for a better rate to paying for rate lock in that was exceeded because of them to paying to get a rate after being convinced to withdraw one application and start another in order to save money, just to have them try to take it back out of my pocket. There was an offer for zero origination fees that came up and would save me over {$1000.00}. What came up after the fact was the detail that it would cost me nearly that much or another 30 days waiting to get an interest rate. 
Every part of this process and any time I have dealt with home buying at all there is no end to the crooked money grubbing garbage that is passed off as legal process. 
Something needs to be done about the unending chain of paperwork and underhanded misdealing that these banks and financial institutions are using to get one over on XXXX and XXXX XXXX. 
The bottom line of this whole thing is that I would have paid this loan completely and timely. These buffoons simply screwed themselves out of all that interest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (SC).
Issue: Taking out the loan or lease

Complaint: I am a victim of identity theft happened XX/XX/XXXX. My wallet was lost and inside were my ID, social security card and birth certificate among others. 

This company Prosper Marketplace, based in XXXX CA, allowed someone to take out a fraudulent loan in my name for {$30000.00} in XX/XX/XXXX. I spoke to my local police to file a report, but they told me since I could n't prove it happened in their jurisdiction, no report could be file. 

They instructed me to contact the credit bureaus and they could help. So I did and told them this was a fraudulent account, they did n't remove the account. I have disputed this account many times, but it never is removed. 

So XX/XX/XXXX I contacted Prosper Marketplace directly by 1st class mail. I 'm sure they will say, they never received the letter. I told them this was a fraudulent account ; and I requested copies of the loan contract/agreement, so I can compare the signatures. As, I know it would n't be mine, because I have never got a loan from Prosper Marketplace, I had never heard of them. They never replied to the letter or sent me the requested documents. So I disputed the fraudulent account again, and yet it was n't removed from my credit reports. 

So XX/XX/XXXX, I wrote Prosper Marketplace again and again asked them for copies of the loan agreement/contract, so I can compare the signatures. Of course they will say they did n't receive that letter either. No reply from them and no copies of loan agreement/contract sent. 

I had did a free 15 minute consultation with a lawyer. He told me once i receive copies of the loan agreement/contract with the signature, to go to a notary and do a notarized affidavit of forgery, and send it back to Prosper Marketplace, with the loan agreement/contract, and this would be proof that I did n't take out the loan, or sign the loan agreement/contract, and Prosper Marketplace would remove the account from my credit report in 30 days as per the FCRA. 


Today is XX/XX/XXXX and I have still have not received copies of the loan contract/agreement. The reason ... it does n't exist, as I never signed any loan contract/agreement with Prosper Marketplace, never applied for or received a loan from Prosper Market Place, a fraudulent account How can a company be allowed to place a fraudulent account on a consumer 's credit report without a loan contract or agreement bearing that consumer 's signature? 

Prosper Market Place is violating my Consumer Rights, as well as the FCRA. I am asking for your help, to make Prosper Market Place remove this fraudulent account from my credit report. Prosper Market Place, Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage purchased my loan and converted it to simple interest. 
They then apply my payment which was made at the beginning of my billing cycle to the last day of my billing cycle, earning the maximum interest on the loan and making it stand still for several years. They change the name of the company to Mr Cooper and change the billing cycle day constantly to continue the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a Surviving spouse of XXXX XXXX Service member.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (NY).
Issue: Problems when you are unable to pay

Complaint: XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. 

I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. 

I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. 

The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. 
Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. 

How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 
2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 
3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: **debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Loan payment wasn't credited to your account

Complaint: The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.

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 08/30/2017 about Debt collection (Medical debt) with CBA of GA, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company in question is CBA ( Credit Bureau Associates ) reports a medical account to all three reporting agencies without notifying me at all. my first and only correspondence from this company stated that they submitted this information to all three reporting agencies to reflect unpaid collection account on my credit file. my notification also stated that now its time for me to create a pattern of positive credit management and neglecting this issue will only encourage further actions without further notification. the nerve of them they clearly handle accounts without proper notification. All of the BBB complaints about this company say the same them which is they do n't notify you until after they reported the item to your credit. My balance should only state that I owe {$1300.00} not {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.

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