milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them.

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 12/18/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Other transaction issues

Complaint: I sent money to my relative but accidentally initiated it twice. I realized my initial error when the transaction came out of my bank account again, causing a overdraft, and it was returned. I called moneygram to fix the problem ( have the second item cancelled ), the representative stated they had no record of the second transaction, just the first. 7 days later the ach is processed again on my account, causes another overdraft and is returned again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

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 02/27/2017 about Credit card () with U.S. BANCORP (TX).
Issue: Customer service / Customer relations

Complaint: Requested assistance with disputing a charge on XXXX/XXXX/2016, more than two months ago. 
Still have not received resolution or assistance.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XX/XX/XXXX of this year, I contacted Transunion to update my credit report to include my student loan with XXXX. The account is listed on my XXXX report. Transunion said the company was not reporting to them, but that was not true and I confirmed that with the loan holder. Transunion consistently reports my information late and will not make updates, especially on my revolving credit accounts. I am purchasing a home right now and their lack of accuracy in reporting is affecting my credit at a very impactful time. Please assist me with getting this information accurately updated with Transunion.

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 card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: back in late  XXXX  early  XXXX  my wife and applied to refinance a home @ wells fargo in   XXXX   ohio. we were told all was approved and we had to just come and sign the papers, so we did. after we did the bank employee told us she would contact us the next day.we heard nothing and after several calls were told that we were not approved. after pulling my credit report several years later i found that a {$5000.00} credit card had been opened up in my name. it seems to have been paid for a few months and then not paid for a long time. now at is on my credit as pays as agreed but has been damaged my credit .i have just sent this info  XXXX  and i am waiting to hear back. i have not heard from wells fargo and i can not find the name of the legal team tacking care of this. any info on this would be appreciated. thank you.

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 03-04-2016 about Payday loan () with Insight Capital LLC (NV) (MA).
Issue: Can't contact lender

Complaint: Getting phone calls every day stating I oee money on a payday loan back in 2012 to insight capital with a phone number of XXXX. I have never heard of this company and never had a deposit from this company. My response from this company was prove it with your ban statements from 2012. Then they threatened me with taking me to court.

Company response to consumer: Untimely response
Consumer complaint received 06-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Student Loans that were paid off via Sallie Mae are not listed as paid via XXXX, they are listed as being defaulted, and have been garnishing tax returns as well as social security checks every month. Garnishments do not pay anything towards principal balance ( on loans that were paid off ) .... All interest is paid off on loans and everything else goes towards collection costs. Also the collection costs, as well as compounding interest is based off of loans that have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I have previously issued a complaint about this. I had an issue with this company reporting my account in delinquent status incorrectly. I did not pay the taxes due on the vehicle waiting for an abatement from the state. There was a balance of {$31.00} due after the abetment. XXXX never sent a new bill just reported my account as delinquent on the full balance of the lease which is dragging my credit score down. They keep telling me they fixed the issue but it is still showing up on my credit report as seriously delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase has not helped us in the proper way. They did not follow the XXXX programs which I clearly qualified for. I checked the XXXX calculator with many other Real Estate, Banks, and Finance companies and they all told me the same. Chase should of tried to help me by reducing my APR ( Annual Percentage Rate ) from what I had for years of 5.625 % to 2 %. They basically have just given me an internal XXXX XXXX Modification that it 's meant for me to fail twice. XXXX in XXXX and the other in XXXX. I was on XXXX for the past 2 years and they placed me on a trial payment under {$1500.00} and all of a sudden they set me up on a payment of {$2100.00}. Please review all the documents and let me know what you can do. This has gone on for more than 5 years. I do not want to loose my home. I have sold most of my belongings and borrowed money to keep up with my bills and payments. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to finish disputing my XXXX disputes and my request timed out while disputing the XXXX account when I came back over I had to then finish my Equifax request, so I had to resubmit a request. Upon trying to get my Equifax all of the information and questions they asked me did not have any accurate answers, some of the questions were right and had the right answers been listed I would n't have selected none of the above. Now I have to submit a paper request for the report before I can even dispute it, this is not fair. I want to be able to submit my driver 's license and proof online, I do not have time to wait 15 days to finish these disputes and all of this craziness. I need it all to be done at one time. That was the point in selecting all three reports. I want to be contacted by Equifax to rectify their obvious misinformation 's. I hate Equifax 's service and I do n't think it should have any effect on my credit, I do n't think anyone should ever even be allowed to pull my credit score from them ever, they obviously are very misinformed and unreliable.After finishing my disputes so they will stop ruining my credit, I fully intend to try and never use their horrible service ever.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (RI).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 'm trying to sign up for a company called XXXX. My error Message is td bank is blocking you from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: I came to the Bank of America branch to cash the check that was Bank of America check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the " service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people.

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 02/18/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Delinquent account

Complaint: I have Discover for my Credit card and for a personal loan. For some odd reason discover never received my payments, which I have everything on auto-pay. I have been paying double with both accounts to get caught up, but now they are telling me my account wont be unlocked until XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I also have issues with XXXX XXXX bank where there was settlement in agreement they remove there information from my credit reporting. That was purpose of doing settlement since they had wrong information and I never miss any payments. The XXXX Bank smart connect have me down highest balance XXXX that 's incorrect its a lesser balance XXXX. My credit score did n't go up since made my last payment to XXXX smart connect. Im trying to get my credit score credit should be showing much higher score XXXX. I would like Department Education to be remove off my credit report because past statue limitation that can be shown on my account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today XXXX/XXXX/XXXX at XXXX am I attempted to check my credit report through TransUnion XXXX this complaint has two parts. 

1. I attempted to get my free credit report, and on their main page ther is a button to get you credit report that tried to charge me to get my first 1 of 3 credit reports I am entitled to. 

2. When I found the free credit report link, the site looked sketchy but it had an https address. Any way, I tried to get my report but received a message saying that my identity count not be verified. Then suggested i be redirected to ht page where I put in my information. also there was not where else I could go or click. So i try to re input my information, though it was correct. But it takes me to a screen that say " You have now used your XXXX free credit report ''. They were not able to validate my identity, but still took one of my reports. They did not show me anything about my credit information. I tried to find a number to call to address the problem on the sight, but all that was available in the contact section was an address in XXXX, not even an email.

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Midland Funding LLC XXXX filed a Notice for Wage EXECUTION, by XXXX XXXX XXXX and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to Midland Funding and sold my information to XXXX XXXX XXXX, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report XXXX XXXX XXXX for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.

Company response to consumer: Closed with non-monetary relief