milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: I recently applied on XXXX/XXXX/2015 for the NBA BBVA Compass Bank XXXX XXXX Card for my love of basketball and received the card 7 business days and a mailing of my credit score and bureau information from XXXX. 3 days later on XXXX/XXXX/2015 when I tried to use it at a grocery store it was denied. I called customer service and they told me it was suspended and no other information was available. I was to wait for a call back on Monday morning XXXX/XXXX/2015. I called on XXXX/XXXX/2015 and had the very same customer service rep who told me he had no information and the account remains suspended an no information. I asked for my issue to be escalated and I received a call back and was told on XXXX/XXXX/2015 ( I saved the voice mail ) they needed to verify my identity and to stop in a branch. There are no branches in NJ. No information was received in the mail or phone call about the suspension - nothing. I called back on XXXX/XXXX/2015 and told them I was visiting family in AZ and they would note the account that I would would go to a BBVA Compass Bank for ID verification. Yesterday on XXXX/XXXX/2015 I spent over XXXX hours in a BBVA branch at XXXX XXXX XXXX XXXX XXXX. AZ with my ID ( Drivers License and Passport ) and I met with the Teller, Personal Banker who tried to resolve this. The staff put me in an office and wait for service on the telephone. As of today - XXXX/XXXX/2015 my problem is not resolved. The Personal Banker XXXX XXXX called me at XXXX on Saturday and said he will continue to work on it Monday morning XXXX/XXXX/2015. He made copies of all my ID information. I met all the criteria, provided the information and NO ONE cares at BBVA Compass Bank to resolve this issue. I have now worked with XXXX different people and no one can seem to resolve this mess. 
My Desired Resolution : I want to have the NBA XXXX XXXX Card that was approved for me. I have NO IDEA why after XXXX DIFFERENT PEOPLE and XXXX hours in a branch that my case can not be resolved. This is by far the WORST customer service and communication I have seen EVER! Please help me. No one should be going through the same problem. I have also filed a complaint with the XXXX. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan with Wells Fargo and I paid the loan faithfully for 4 years. The loan started out at about XXXX, and only reduced to XXXX after 4 years of payments at {$250.00} a month. I received a forbearance when I was enrolled in school for 6 months, then I was informed that my payment was increased to $ XXXXmonth. I called Wells Fargo numerous times in an attempt to resolve the issue and come to an affordable payment option but I was unsuccessful. I am in default at this time due to an inability to pay and lack of assistance on their end.

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 08/24/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Balance transfer

Complaint: I sell some personal property on XXXX from time to time. Recently, I sold a used phone. A customer paid in full for the phone and I shipped the goods. The transaction is completed. For reasons unknown, however, XXXX is keeping 60 % of the transaction value on hold for 30 days. Why is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from XXXX XXXX. The business that wrote me instead of XXXX XXXX was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX  is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then XXXX tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from XXXX, but that is not possible now, due to the lie of Equifax Mortgage Services. Then XXXX just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that XXXX XXXX has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX inhabitable dwellings in XXXX XXXX XXXX is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from XXXX XXXX or any other business bank account for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: XX/XX/17 I transferred {$21000.00} to Coinbase Inc to be deposited in my account. I received an automated response that it would be delayed by 2-4 days. My account has still not been credited for the amount after 12 business days. I submitted 2 support tickets, and reached out to other representatives and still have not heard anything back. 
Coinbase support ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.

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 06/21/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A woman named XXXX is calling all of my family members saying that I owe a debt. I do not have any outstanding debts. When I called back the message says they are from FMR. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed XXXX basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have consolidated some of my " XXXX XXXX XXXX student loans '' as of XXXX XXXX 2017.
I make my payments as per the contractual schedule ( CONSTANT PAYMENTS OVER 30 YEARS ), using automatic payment, despite all the problems that they cause along the way ( ie deactivating my automatic payments without notice ) Navient charges the integrality of my payments to interests, nothing to principal. This increases my interest rate by more than 30 %, is not in agreement with my contract, and the BALANCE REMAINS SAME SINCE FOUR MONTHS DESPITE THE PAYMENTS.
The detail of the allocation of payments, fully available online, confirms that Navient fraudulently ( on purpose ) applies all and any of my payments to interests and fees, breaching the loan contract and misappropriating the portion of the funds that should be applied to the reimbursement of the loan to the XXXX XXXX XXXX.
I have contacted the customer service more than ten times, spoke with the customer advocate and wrote to her several times, and addressed a complaint to the audit committee of the board of directors of Navient. The customer service answered to me that they had reviewed my account and refused to escalate my complaint ; the Audit Committee, in charge with internal controls compliance, did not answer.
The customer advocate told me that she had sooo hard time understanding why I was complaining about how Navient handled my payments, after all, " all they did was collecting the monthly payments almost for the amount agreed ''.
The next day, I found that the CFPB had started in 2017 a lawsuit against Navient for exactly that. How unexpected was my complaint for misappropriation of my payments?! ...
I am writing to you because the trail of my case shows that Navient is in the business of breaching the contracts by modifying the systems, telling to customers that all is fine, and refusing to correct the very obvious fraud when it is reported. I am trapped with Navient. If I reimburse my student loan, they will apply my payment in full to interests, as usual.
The abuse is so systematic and the absence of internal control so total, that it s not possible to believe that this is " just a material weakness in internal controls over fiduciary duties ''. Let 's note that if it was " just lack of controls '', per XXXX it is enough to send the top management of Navient to prison.
Navient appears to be in the organized business of taking down as many US graduates as they can, while also depleting the ability of the XXXX XXXX XXXX to extend loans to new US students. An anti American purpose.
My suggestion to the victims : let 's charge them with our own " assessed fees '' and subsequent " late fees '' if they do n't pay us our own assessed fees. We need to make the idea of stealing from student loans way more expensive than the efforts to service the loan with the highest standards of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (AR).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Transaction issue

Complaint: Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MA).
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: To Whom It May Concern : The creditor SYNCB/GAP, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. SYNCB/GAP, failed to provide the required verification of debt within XXXX days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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 02-10-2017 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I got a netspend card I activated it on the XXXX of XXXX and on the XXXX my XXXX was deposited and on the XXXX I got a text saying my card was stolen as it was not I had my card and soon as I got off the phone with them my card at a transfer amount of XXXX and netspend saying they will not return my money. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.

Company response to consumer: Closed with explanation