milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2016 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Can't stop charges to bank account

Complaint: hi my name is XXXX XXXX and I recently received a loan from BIG PICTURE LOANS for {$800.00} and I was told that I would be paying {$1000.00} back for borrowing that amount and that I have options to pay it back however I like. At the time that I took out the loan I had no idea what I was getting into until I had already received the loan and then I was informed that I would be paying it back twice a month rather than once a month. I have contacted them multiple times to tell them that there is no way that I could possibly do that given my current job situation and they had told me that they would work with me if necessary not to worry about it, so when I contacted them back to try to come up with a resolution for this they wanted no parts of helping me and they continually take money out of my account every two weeks and it is about to make me lose everything I own because I do n't have it like that to pay them like that. I have already reached the amount of money that I borrowed plus the {$280.00} that they said they were going to make off me and now when I talk to them they tell me that until I actually send them the total amount in full ( {$1000.00} ) again all at one time that they are going to continue to take money out of my account until they make some absurd amount of ( {$6000.00} to {$8000.00} ) which I most certainly can not afford given my current situation. do I have any options and if so please let me know. I bank with XXXX XXXX XXXX in XXXX XXXX I work hard to take care of my house XXXX step kids and my girlfriend as well as my animals. I have also lost my cell phone account and have defaulted on XXXX credit cards as well because they did not live up to their end of the deal. I am at my wits end with this and need help! PLEASE! also this very day while filling these forms out I tried contacting them to get my loan number and the first guy said I could not have it and then proceeded to hang up on me so I called back and the next person gave it to me. What a joke of a company and absolutely no way to do business I also have proof of this as all my calls are recorded as well for " quality assurance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2017 I was a patient at XXXX Hospital ER in XXXX, Texas. My insurance card ( XXXX  XXXX ) clearly states that the co pay for ER is {$150.00}. My card was charged XXXX without my knowledge. ( I will address billing issues with XXXX XXXX separately ) I did not authorize this charge and did not sign anything. I have notified Barclaycard Visa of the situation as an unauthorized charge and an overcharge. I sent them all pertinent documentation. This is a complaint against Barclaycard. I also told them the address on my receipt did not match the billing address on the credit card and that the charge should have never been authorized. I have received communication from Barclaycard notifying me there is nothing they can do as I did not submit proof of an overcharge. They claim I authorized the charge, and I argue I did not. There is nothing with my signature anywhere. The Visa in question ends in XXXX. Barclaycard 's address is XXXX XXXX XXXX, XXXX, DE XXXX.Barclycard customer service is rude and not at all helpful on the phone.

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 07/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problems caused by my funds being low

Complaint: After I file the complaint Case number : XXXX, BOA customer resolution who named XXXX gave me a call and leave a voicemail. I has returned her phone call and leave XXXX voicemails ; however, I still received no response from BOA. In addition, BOA still not response the request from the state of Illinois. However, BOA has charged me the overdraft fees because checks paid prior the freeze my fund.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND EXPERIAN ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the account.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: We took a cashcall loan for XXXX paid back XXXX and we are now being sued for an additional XXXX, which now the attorney for Cashcall wants XXXX. We are to be in court tomorrow XXXX XXXX XXXX We planned out settling for XXXX if that 's possible making payments for 30 months.. the attorneys for cashcall are ruthless and trying to get us to sign papers for a judgement of XXXX on the XXXX settlement offer if we do n't pay.. I refused to sign it.. I 'm in California so I 'm not sure if we have any rights..

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 04-06-2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Back in XX/XX/2017 XXXX, XXXX and Transunion made updates when it comes to how items such as tax liens appear on credit reports. I waited for about 2 months for something to happen, XXXX  on their own removed the 2 tax liens on my file, for XXXX I had to request a dispute, and the results removed the 2 tax liens from my XXXX credit file. Now, after filing 2 disputes online and 1 over the phone with Transunion, they still have not removed these 2 tax liens. I do not understand why, if the same information is getting reported to all 3 credit bureaus, why is Transunion not removing these tax liens due to the new requirements for these types of public records when the other 2 credit bureaus have followed the guidelines. all my information is the same on all 3 credit files. I would like these removed as soon as possible as XXXX and XXXX have already done so.

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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit is trying to collect a debt payment ( and have reported it to the credit bureaus ) on a 2007 XXXX XXXX phone bill that is not mine. I have repeatedly asked Pinnacle to remove it from my credit reports, but they refuse. They also refuse to contact XXXX to verify the account. I have contacted XXXX. They do not have any records of an account in my name. 

I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In  XXXX    XXXX  , my husband and I began the process of looking for a home loan.  Stearns Lending  was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender,  XXXX   XXXX  informed us that we could qualify for $  XXXX . We were excited and began shopping. On  XXXX   XXXX , we found a house in  XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of  XXXX   XXXX  and we got a resounding yes!   So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with  Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen  XXXX   XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed   closings.   Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days!    Stearns  dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.

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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had trouble using my  Chase Sapphire Proffered and Chase Sapphire Reserve credit car ds on or about  XXXX   XXXX , the transactions were declined. The vendor told me he had some issues with his terminal so i did not think anything was wrong. On Sunday  XXXX   XXXX  I had the same issue at another vendor and contacted Chase immediately and found out that as of  XXXX   XXXX , my accounts had been closed without any prior notice. All the supervisor could offer was that my account was closed " because their affiliate was ending their banking relationship with me. '' I received a letter from Chase advising me of the same on Tuesday  XXXX   XXXX . I have no idea what that means and the supervisor could not explain it any further other than repeating the same sentence.   I was advised by  Chase  Customer Service that the only way to get further info on this matter was to send a fax to their  executive  offices at  XXXX  and that a  Chase case manager would get back to me in 24 - 48 h ours. I sent my fax request on Monday  XXXX   XXXX  at   XXXX   XXXX   and as of Thursday  XXXX   XXXX  at   XXXX   XXXX   I have received no response from Chase, more than 96 hours later.   .

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Victim of fraud. The person committing the fraud was charged, and found guilty. Even with nearly 200 documents of police reports, and evidence showing I was the victim of fraud, the creditor is still unable to relieve of the responsibility of the 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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX  & transunion reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

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 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I tried in the past to apply for an XXXX credit card which is sponsored by Chase, every time I applied Chase Bank always deny application, I have 2 different mortgages with Chase ( no issues ), 2 XXXX XXXX cards ( no issues ), utility bills and payments are on time. I don't understand why every application has been denied in the past 2 years, is either discrimination or something else that Chase bank doesn't want to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Application, originator, mortgage broker

Complaint: I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.

Company response to consumer: Closed with explanation