milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak 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 09-07-2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (OK).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle in 2014 from Coastal Credit LLC. I had made on time payments since then. I started receiving calls stating that I was past due anywhere from 30-90 days multiple times showing I disputed charges and payments, which I never disputed a charge as I authorized all charges. I submitted proof to the location in XXXX, Colorado and all of a sudden that office was closed in a matter of a weekend. Prior to that I was working the office in XXXX, OK which was also closed in a matter of a weekend. I had been working with a couple of employees providing documentation and proof and working with them to fix this. As we were working on this, I had been surprised as I was promised since I had been in talks with providing proof of payments that the vehicle would not be secured or repossessed but indeed the vehicle was actually on the repossession truck and the driver had the courtesy to come knock at my door and he waited for me to talk to the bank in which I was demanded to pay for the entire balance after we had agreement but I had to prevent repossession. After that payment, I was paid up to date. Then about a month or two later I received a new call stating that I was in the same boat. I spoke with the same individuals and they fixed it but then shortly after a hour, I had a repossession agency contacting me to arrange a pickup of the vehicle in which I had said we had fixed this and I called Coastal Credit back and the lady could not get a hold of the person who was authorized to fix it and told me to " hid my vehicle ''. I was absolutely disgusted that a " bank '' or loan service told me to do that until they could tell that agency not to secure the vehicle. In the midst, they reported me 30 days past due and I can not get it removed and have contacted an attorney to file suit but have not pursued just yet until I notice absolute no resolution. I primarily contacted an attorney to file a complaint to get the late 30 day reporting removed. Since then, I have worries of the vehicle being secured illegally and no one at the new office is willing to talk to me or get me with the people I was working with as I am curious to see if that office staff were fired because they just shut down. I am working on trading this or refinancing with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
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: I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. 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 explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I BORROWED {$49000.00} FOR COLLEGE IN XXXX SEPARATE STUDENT LOANS. MY FATHER CO-SIGNED THE FIRST XXXX. I APPLIED THROUGH XXXX XXXX WHICH IS NOW NAVIENT. I GRADUATED IN 2006 I HAVE BEEN PAYING ON MY LOANS FOR TEN YEARS. TO DATE I HAVE PAID OVER {$42000.00}. NAVIENT SHOWS THAT I STILL OWE {$53000.00}. MY AVERAGE PAYMENT IS $ XXXX MONTHLY WITH TIMES PAYING UP TO {$2000.00} A MONTH. I GRADUATED IN 2006 AND NAVIENT STATES I WILL BE PAID OFF IN XXXX. I WILL BE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with Hayt Hayt & Landau, P.L. (FL) (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Around about XXXX XXXX, 2017 I received a letter for me to dispute the debt within 30 days.The letter was sent out on XXXX XXXX, 2017 however I did not receive none of my mail until around XXXX XXXX, 2017 when I gave the debt collector a call. All of my mail was sent back to the post office trying to forward it back. I had to call the post office and walk in to speak with someone about my mail. I call the company Hayt, Hayt and Landau, P.L. an left a message stating that I just received this letter and I will like to dispute the debt. I  explained in the voicemail that I was not receiving my mail and that I have proof. I did not receive a call back neither anything in the mail. I tried calling them again and no answer. On X/XX/2017, I also sent to Hayt, Hayt & Landau, P. L., a Creditor/Debt Collector Declaration and I have yet to receive anything back from them. by law I was under the impression that they have to provide that information to me. No answer to my certified letter. The next thing I know I am getting a lawsuit served to me on X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.

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 08/26/2015 about Payday loan () with Big Picture Loans, LLC (AL).
Issue: Received a loan I didn't apply for

Complaint: I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My mother & I moved out of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2015. We never received a statement from XXXX within 45 days of vacating their premises. XXXX turned our account over to a collection agency by the name of NCC Business Center. A guy name XXXX XXXX ( XXXX ) XXXX ext. XXXX from NCC Business Center called our neighbor and discussed our business with her which is illegal. They have been constantly harrassing me about a debt that I never went to court about and I do n't owe them any money. I want to issue a cease & desist order against NCC Business Services , Inc. XXXX. XXXX XXXX, XXXX, XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for both of them to stop contacting me, my neighbors, relatives, my job, etc. as soon as possible. Please feel free to contact me or my mother at the numbers below. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.

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 08-07-2015 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (TX).
Issue: Managing the loan or lease

Complaint: I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation