milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XX/XX/XXXX and XX/XX/XXXX, they were reporting my collection as if it was a revolving account and adding XXXX late notes. Every time I have disputed this information, the CRA removes my information for about a week, then re-adds it later with new dates, making it appear that I have had multiple delinquencies this year. This false information has caused irreparable damage to my credit score and I am asking that the CRA removes this tradeline from my report due to repeated use of false information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Im being blocked by site to external apps to application of thing I 'm applying for and I want it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Payday loan) with D2 Management LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.

Company response to consumer: Closed
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Robocall from company claiming to be the Weinberg group from an Arizona phone number. Threatened to notify authorities if I did not respond. I called the number and was told that it was not my debt but a family members. I stated that I have not had contact with them in years and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Dear Sir or Madam, Something weird is happening, this week received a call from a woman from an unknown number asking me private information, I told her I would comfirm what ever is correct, however, would n't offer any information since i was victim of fraud before.   She was repeating im trying to protect you i said i will not offer information i was victim of fraud i can comfirm any correct information you have this was friday the  XXXX  Due to a trip that I am doing with my elderly mother (  XXXX  y ears old  ) I requested a limit increse on   XX/XX/XXXX   or  XX/XX/XXXX  in one of my accounts, they gladly provided withing  12  minutes and thanking me profusely for the 10 years of my loyalty to Citibank and my excellent payment history. they sent a text comfirming  Yesterday    XX/XX/XXXX   th saturtday, I went to my office and receiv ed 7 le tters without a logo stating that a "  executive  response unit ''  XXXX  had cancel   XXXX   of my credit cards account bussines and personal accounts even more confusing all letter stated my home address and delivered in my office mail box.   Had to research to find the last   XXXX   numbers of credit cards to locate account numbers after a night awake called the credit cards in question the response is " it was closed '' It seams very discordial when i have an average of  XXXX  on this accounts paid monthly in full and more with another card of that same institution also paid in full monthly.   in the morning of  XX/XX/XXXX  received and allert from   XXXX   XXXX   I will be leaving the country in 4 days on bussines trip.   Do n't personally think is proper, professional or fair to cancel my accounts without any notice or even email or phone call after increasing my limit and thanking me for my relationship with them.   To receive a letter dated the same day that that woman called me without a phone number or without a logo from which bank? seam to me that consideration respect and professionalism is unfortunatly going down the tubes I will forward this complaint to my senador  XXXX   XXXX  thanking you in advance  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 05-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: O n   XXXX   XXXX  , 2017, I arr ived in  XXXX   XXXX  for an  XXXX  vacation. On the early morning o f   XXXX   XXXX  , 2017, a thief stole my Chase debit card and cell phone, and apparently immediately began making   fraudulent purchases and withdraws, including an ATM withdraw in the   XXXX   XXXX  , a purchase at a fast food chicken place, and several purchases at a grocery store on the   XXXX   XXXX  . I reported the theft to the local Chase branch on  XXXX   XXXX  in the   XXXX   XXXX   that same day ,   XXXX   XXXX  , 2017 (   XXXX  Thursday  2017 ).  The personal banker put in a claim, and my account was temporarily credited in the amount of approximately {$1400.00} by the next d ay,   XXXX   XXXX  , 2017.    The thief also took out a   {$1600.00}   payday   loan, and had the funds deposited into a long closed  XXXX   XXXX   XXXX   checking account, but that is unrelated to this complaint against Chase Bank. Several days later, Chase temporarily credited my account for an additional approximate {$200.00}. O n   XXXX   XXXX  , 2017,  I read a correspondence from Chase Bank dated that day via Chase 's claims website, stating that Chase investigated my claim, found the charges to be " correct, '' and that in  six days, they wou ld take {$1400.00} from my account. I immediately phoned Chase 's claims department, and agent  XXXX  reopened the claim, so the resolution of that is pending.  On   XXXX   XXXX  , 2017 at  approximately  XXXX , I logged into the Chase online banking website to check my account balance, and saw a pending " miscellaneous debit '' charge of {$200.00} had been removed from my account that day. I immediately phoned the number on the back of my debit card, whereupon agent  XXXX  told me tha t Chase had  taken the {$200.00} out of my account upon their unnoticed determination that a fraudulent {$200.00} charge was " correct '' and " legitimate according to our investigation. ''  XXXX  refused to reopen the claim for investigation. This is impossible, and I believe Chase Bank violated the  EFTA. Th e charges were all outright fraudulent, and I reported them the very same day they occurred. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX XXXX XXXX in 2009. They are a school who of course offered to find you work once you graduate and, in whatever I originally signed, a person is not to attend grad if you owe money. 
During my attendance, I went to ever financial meeting and they always told me everything was okay, all the school needed to do was turn in my XXXX XXXX paperwork for my final loan to go through and I was good to attend grad. 
The day AFTER grad they called me to the office and said I owed {$5000.00}. I asked why I was able to go to grad if that was the case, but they only kept saying " well you still owe us money so you are n't getting your XXXX '' I still have n't told me family because I 'm so sad. Every time I call or visit to ask for paperwork on my years attended they never call back or ignore me and I have never recieved anything regarding my case in the last 5 years. 
I am not the only person this has happened to and it has only happened to minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This letter summarizes our current situation. Thanks. XX/XX/XXXX  To BOA RE : BOA Loan Numbers : XXXX and XXXX VIA FAX : XXXX and XXXX We are not accepting the LOAN MODIFICATION trial offer to modify our first loan in XX/XX/XXXX,  because instead of helping us reduce the payment you are increasing it to {$2900.00}.
<P/>
Our payment used to be a third of this amount, so you are actually increasing it three-fold. How is that helping us? We also requested your help to modify our second loan and you declined us.
Therefore we still have to pay on top of the {$2900.00} an additional {$900.00} for the second loan From Bank of America. When you add both loans together the new mortgage payments are almost {$4000.00}!
<P/>
I started the refinancing and Loan modification processes back in XX/XX/XXXX to let you know that we needed help to modify or refinance BOTH loans, and now 6 months later you 're still offering preposterous Loan Modifications that are completely unaffordable.
<P/>
We have saved all the documentation that we received in the last 6 months from BOA and I will be sending everything to the corresponding Mortgage monitoring agencies so that your Bait-and-Switch practices can be stopped. Especially The fact that after so many phone calls and so many emails your responses to our questions were confusing. Moreover, you kept transferring us to many BOA Departments without a straight answer. Nobody could tell us what are the terms, and basic information of this trial loan modification. How can we make an informed decision?
<P/>
We have been paying our mortgage on time for the past 10 years to BOA, since the terms of the loans changed we wanted to make sure we kept our credit in good standing, but unfortunately you failed to help us.
<P/>
This whole process with BOA has been very frustrating.
<P/>
Sincerely, XXXX XXXX  XXXX XXXX CC : Office of the Comptroller of the Currency ( OCC ) CC : Consumer Financial Protection Bureau ( CFPB ) Fair Housing-US Dept. Of Justice Federal Trade Commission ( FTC ) Equal Credit Opportunity Act ( ECOA ) Truth in Lending Act Fair Credit Reporting Act Department of Housing and Urban Development [ HUD ]

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 08/23/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CO).
Issue: Deposits and withdrawals

Complaint: The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was told that a soft pull on my credit would be done and not a hard inquiry. I just noticed that it's still on my report and I'd like to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Installment loan) with LendingPoint Holdings LLC (MT).
Issue: Taking out the loan or lease

Complaint: First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.

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 02/15/2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. 

Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. 

I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). 

Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. 

I 've never missed a late payment with any of my credit cards. 

This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (DE).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On  XXXX   XXXX , I received a claim demand form Register of Wills for {$1600.00} from  XXXX  Services/Target Credit Card. I contacted a representative (  XXXX   ) o f  XXXX   XXXX  who would not discuss the account of  XXXX   XXXX   XXXX   XXXX  with me, only with  XXXX   XXXX  and  XXXX   XXXX . I faxed a documented proof, I was co-administrator of the Estate of  XXXX   XXXX   XXXX   XXXX , I rejected the claim of {$1600.00} by  XXXX   XXXX  Target  Credit Card based on  XXXX   XXXX   XXXX   XXXX  suffering from  XXXX  and survived 18 years of   XXXX   XXXX  . I requested Target Credit Card provide me with documented proof  XXXX   XXXX   XXXX   XXXX  signed any or all Target Credit Card receipts within the past  two  years especially l between the period of  XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX .      XXXX   XXXX  made several unauthorized cash transactions on  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Therefore,  XXXX   XXXX  could not sign any checks or credit card receipts for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (FHA mortgage) with Selene Finance LP (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away XX/XX/XXXX and I need to refinance the house to get a lower interest rate and his name off of the loan. In XX/XX/XXXX I requested a copy of the agreement. I followed up on many of occasions and was told that the is no law that regulates the time line for this request and they would get to it. I finally received it in XX/XX/XXXX Then I got all my ducks in row to refinance and began working with my leader. We have requested the payoff on XX/XX/XXXX and to this day the payoff has not been sent to us. I have talked to them many times only to be told oh we faxed that yesterday but they have no receipt of the fax and neither my lender or myself have received this fax. I am at my wits end. The loan company is Selene Finance XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Any help I can get would be greatly appreciated

Company response to consumer: Closed with explanation