milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Getting a line of credit

Complaint: On  XXXX / XXXX / 2016  I had a  XXXX   XXXX  " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with  XXXX   XXXX   XXXX  through the  3rd  party websit e (   XXXX   ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro  m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began.
I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas  on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of  XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2016 I received a letter from Lineberger Goggan Blair & Sampson, LCC,  representatives for XXXX XXXX XXXX XXXX indicating that on certain dates in the months of XXXX through XXXX 2016 I made toll rides on the XXXX XXXX XXXX and at the time of the toll rides my account was at a XXXX balance. In talking with both the XXXX and its debt collection agency, Both these agencies instructed me to obtain documents that indicated that I owed the debt ( debt totaling $ 1600+ dollars ). Nither of these two agencies provided the information I requested in my written communications. After making one payment of {$580.00} the collection agency decide to make me an pay-off offer of {$530.00} which I did. So I paid of the $ 1600+ debt, I made a total payment of {$1100.00} with my XXXX . Then one month later, I get another demand payment letter from Lineberger Goggan Blair & Sampson, LCC, that two other toll violations made in XXXX ( which by the way were not originally included in the $ 1600+ invoice ) indicated that I owed an additional violation debt of {$160.00}. I wrote to the collection agency that I was protesting the invoice and the violations. I provided information regarding the licenses associated with the tolls, account statements, rental car receipts, etc. that proved that the travel dates indicated on the voice for which the violation occurred did match with the account statement showing the date entry, time entry, travel route, vehicle ID, and toll fee. My biggest problem and that neither one of these agencies responded to my request for more information. I was told by each representative ( verbal and written communication ) that I could make a request for more information, either through fax or written correspondence, which I did but as I said, to date, I have not received any documentation proving how I might owe the debt. This passing the buck back and forth between the two agencies when trying to get information has become very stressful. No one wants to pay such a large fee without any record of proof. As I said I did pay {$1100.00} of the $ 1600+ owned but now XXXX wants more .... without providing any documentation that supports their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.

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 09-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Credit determination

Complaint: As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.

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 03/31/2017 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I spoke with a rep in XX/XX/XXXX and explain not to call my work place due to repeated calls. I received more calls to my work place after.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Interes Balance on Refund Cashier Check

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX. This Student Loan was discharged XX/XX/2016 by the SSA due to my permanent XXXX. I am currently receiving XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.

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 01/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hi on the i sent XXXX Ethereum from my digital wallet on XXXX  to the ether wallet on my account on XXXX. It still hasn't shown up and i have been sending daily Emails asking for help as this is XXXX worth of aud and pretty much all my savings. XXXX has been great helping with proof of the successful transaction, which i have offered to provide to coinbase on multiple occasions but still no response. I have also tried calling there American number but i can never get through and this is costing me a lot of money each attempt as i live in XXXX. I am desperate and this is heavily effecting my mental health, and just can't understand the lack of support from such a big company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was  XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to  XXXX   XXXX  and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance.     Apparently, because I made the payment after  XXXX  on the due date (  XXXX / XXXX / XXXX  ) their system charge me a Late Fee after  XXXX  on the due date and subsequently posted my payment the following day  XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date.     I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed (  XXXX  ) I thought this nightmare would be finally over. Now on  XXXX  ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the  XXXX  late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again.     I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on my credit.

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 05-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I 'd like Chase Bank to issue a letter of explanation about a forged check on my account. It 's almost comical, but I do need the letter so i can complete the refinance of my mortgage. 
In a nutshell : Someone going by the name XXXX forged a check on my account. I alerted Chase and a day later Chase closed my account, and opened a new account in my name. 
While Chase apparently automatically forwarded other autopay orders to my new bank account, somehow the autopay for my Chase credit card - and only my Chase credit card - was not forwarded, and I missed two payments. Chase 's credit card division then reported my delinquency unleashing a cascading chain of events, as my credit rating momentarily plummeted and XXXX is now holding up my mortgage refinance until i can supply a letter of explanation from Chase. 
Chase refuses, of course to admit they goofed, and refuses even to issue a letter explaining the events that led to the late credit card payments. Meanwhile, my credit score has recovered but XXXX 's mortgage division insists on a letter of explanation from Chase before they will allow me to complete my refinancing. 

I am attaching copies of relevant correspondence. 

Please ask Chase to issue a brief letter of explanation, noting that a forged check forced the closure of my account and an oversight led to two missed credit card payments. My Chase account has a balance in excess of {$110000.00}, and the credit card bill was in the hundreds. 

Many thanks - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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 filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.

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 03/20/2017 about Credit card () with CITIBANK, N.A. (RI).
Issue: Billing disputes

Complaint: I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?

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 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt of {$360.00} showing on my Equifax account for a water service that I do not have.

Company response to consumer: Closed
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 sent letter after letter and filed dispute after dispute on a few items on my report to Equifax. Every incident they are reporting that the dispute remains because it was verified by data furnishers. I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error. They always send a computer generated last page of the report about how they receive their information from data furnishers

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.

Company response to consumer: Closed with explanation