milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: USAA Survi  vor Relations group for credit card and auto and trailer loans are not reachable. Tried to speak with someone multiple times over past 5 plus business days. Continuous hold. I am attempting to pay off and close my younger brothers credit cards, car and camper loans with USAA. My younger brother passed away and was a military veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: i have tried multiple times to close XXXX out of XXXX WELLS FARGO checking accts, and they keep resisting/creating obstacles, refusing, saying there is a 'hold ' on my acct, forcing me to see the supervisor, etc. etc. 
i need help badly. 
wells fargo is doing this on purpose to get more bank fees from me. 
i have e-mailed them, called them, and visited them in person, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have repeatedly called & asked representatives at Equifax to remove any type of freeze or block they have without my knowledge from my credit report. I have for the last 5 months been trying to obtain a car loan only to be told that Equifax have a block on my credit report so it can not be pulled. I have called over 8 times to have this taken care of only to be told that it was off. I have even sent in the information that they required & still as of XX/XX/2017 the block is still on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..

Company response to consumer: Untimely response
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Transunion had a glitch in the system which caused all inquiries to delete.TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added they said they could not remove them I also asked to talk to a US representative and I was hung up on, these inquiries add a hardship and my rights were violated by 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 04/19/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I was pressure to sign up with Citi Credit monitoring service and did so for years paying for something I did n't user or understand.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized ( inquiries not associated with opened accounts ). Identity fraud victim.

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 03/22/2017 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. 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 12-12-2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I have experienced my worst banking experience as a result of dealing with Wells Fargo online representatives, and supervisors. As Power Of Attorney, I have attempted to close XXXX matured 48 months Time Deposit Accounts, and have the funds transferred to an account, which is titled in the same name as the TDA 's. On XXXX XXXX, 2015, I was advised this would be done, and would. take a few days. The transfer was not made. I called again and spoke with a supervisor who apologized, and promised she would take care of the transfer. Eventually XXXX account was closed and put into the savings. The other XXXX was not closed, and disappeared from the online profile. I made several other calls and spoke to supervisors who promised to close the account and make the transfer but never followed up.I called again on XXXX XXXX, spoke with a supervisor XXXX XXXX, who apologized, said he was not like the other supervisors, and ensured me the transfer would take place. Like the other Supervisors he did not follow up. 
Here we are nine days later. I spoke with a representative who said his name is XXXX. I asked to speak with XXXX XXXX. XXXX put me on hold. He returned and advised me the TDA had rolled over and I had to go into the Bank. I told it, it was not my fault since I had been calling since XXXX XXXX, 2015. He then said as POA, I could not request the telephone transfer even though the funds were going into an account with the same title. I told him none of the many representatives, and supervisors I spoke with gave me this information, and asked him why XXXX TDA was closed, and transferred. He said it was a mistake. I stated that the supervisors needed to be retrained, and at this point my request should be accommodated. XXXX agreed with the retraining, but did not agree to accommodate my request. As of XXXX/XXXX/15, I have not gotten any results. 




I would like to have this account closed, and transferred to the savings account with all accrued interest included. All supervisor and representatives should ask themselves, how They would feel if this happened to them. I think they would agree this is horrible, unacceptable service. 




Thank You, XXXX XXXX POA, For XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (MI).
Issue: Credit decision / Underwriting

Complaint: Hi this is XXXX XXXX XXXX started to look to refinance our house back in XXXX and found loan Depot online our current mortgage is through XXXX come the end of XXXX we were finally ready to start signing papers and finalizing this new current mortgage with loan Depot my loan officer XXXX told me not to make my XXXX payment with XXXX because things will be finalized in XXXX on XXXX XXXX we signed all the documents with a notarizer and the mortgage was supposed to send me my cash to close on XXXX XXXX I guess they said they were waiting on a credit card that I paid off to come through and did n't tell me so that took us into XXXX and now I have a late payment on XXXX Mortgage because they did n't pay it in time and now they will not help me because FHA will not allow a late payment I never missed a payment all year the only reason I missed this XXXX is because I was told not to pay it is there anyway I can continue with getting this loan or another XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Transaction issue

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

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 10/29/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with First Advantage LNS Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. 

I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.

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