milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 been having an ongoing problem with Transunion for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at le ast five ti mes, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,   XXXX   and  XXXX  just follows Transunion and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by Transunion, this has. Even going on for several years now.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capita l One Auto f inance pulled my credit  three  times in      XXXX   XXXX   2016.   I  did apply to refinance my truck loan in    XXXX    2016 but, I do not understand why my credit was pulled three times? Fo  r the same loan. I have disputed these with all   XXXX  cr edit agencies and with in 24 hours I am   being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  Capital one de clined me for a credit line increase on my credit card because I had too many inquiries.          XXXX  :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016    XXXX   :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016   XXXX  :  XX/XX/16 ,  XX/XX/16 ,  XX/XX/16

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have checked the credit score every Six weeks with XXXX on XXXX website which is from Transunion.com. Every time I checked it drops another XXXX points. This happens every XXXX to six weeks. 
I am never late, I do not have new accounts or new inquiries. I do not max out accounts. There is no logical or obvious reason for the drop except Transunion feels like taking XXXX points every time they feel like 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 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been unable to make over the phone perdon-to-person direct contact to converse with on any matter related to my home loan mortgage account status including the currently assigned single point of contact ( XXXX ), anyone within the XXXX 's unit, or the XXXX 's supervisor. The Bank of America customer service representatives I have been able to get on the telephone do not count as they do not have access to the information I need and have been trying to connect with the XXXX to get. I have left several messages with the XXXX and have yet to receive any response addressing my multitude of concerns.

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 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: During my investigations into a fraudulent withdrawal, I discovered erroneous billing through my credit card. I had booked a trip through a travel agent and paid with my credit card for {$4300.00}. There was an existing balance of about {$4000.00}. Later on that week. I had made a cash payment on the credit card for {$4600.00}. However, I recently discovered that Wells Fargo did not charge my card, rather issued a cash advance. My payment of {$4600.00} was allocated to my purchases and not my higher interest rate cash advance balance. This error increased my interest charges unfairly and outside of the scope of our agreement.

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 01/26/2018 about Debt collection (Payday loan debt) with JPMORGAN CHASE & CO. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have requested deferments on this account and or loan forgiveness because the school is no longer in business and while attending this school, I was not satisfied with them. I was not able to continue with the payments assigned to me at that time. I continue to ask for a deferment but the vendors/loan companies for the school continue to pressure me to accept a forbearance. I know that a forbearance causes the student loan to increase and at the time I was working and making {$9.00} an hour with XXXX XXXX and could not afford to pay on these loans. Since the school has closed. I am requesting a loan forgiveness. Please advise. I appreciate your time and concern with this matter. I eventually continued my education with the monetary assistance of my parents. However, I am receiving continued calls and emails for Navient and XXXX XXXX XXXX. I can not afford a Forberance and continued request for a Deferment is not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.

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 09-03-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cavalry XXXX reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.

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 06/19/2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX  REWARDS CARD BY  SyNCRNIciTY BANK. i  have had problems making payments on this card, because of that i have been chsrged {$35.00} each time. i cant make electronic payments through my bank because  XXXX  doesnt offer tqqhat option. i have to login everytime but my email is never recognized so i have to have a password change everytime. so if i dont have my card with me it wont allow me to. i dont get rewards ever or a statement so im not ever sure what i owe bcause i cant login.i believe this is a trick to stop payments from being on time in order to get late fees.there is no email contact only phone and no one ever answers.i pay all of my cc on time this is t he only one that   there is an issue. this is illegal.

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 06/14/2015 about Bank account or service (Savings account) with DISCOVER BANK (MD).
Issue: Account opening, closing, or management

Complaint: Discover Bank erroneously deleted me as the primary account holder on my savings and checking accounts and assigned my daughter who was a joint holder with me as the sole owner of these accounts. As a result, I lost access to my accounts. Discover Bank then started withholding federal backup interest even though the IRS did n't require that I be subject to such withholdings. When my daughter brought what had happened to Discover Bank 's attention, they readily admitted to their error, surprisingly also admitted that this had happened before to other customers, and promised to undo it as quickly as possible. However, soon after agreeing to fix their mistakes they stopped working on it and communicating with us. Please see the attached letter for a detailed discussion of what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification. 
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly. 
Thank youXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Professional Debt Management / XXXX XXXX XXXX is reporting a debt to the XXXX credit bureaus that is not owed. When XXXX was requested, they sent me a copy of the original lease agreement with XXXX XXXX with no proof/documentation of any outstanding money owed. The lot lease with home purchase sent as XXXX pre-dates bankruptcy discharged XXXX, in which XXXX XXXX and all affiliates of the XXXX are listed as creditors. Notice of delinquent rent in XX/XX/XXXX does not exceed {$420.00} - and was " pay or vacate '' ( property was vacated ) with mobile home returned to possession of the park. The park filed a delinquent tenant case that was dismissed in XXXX Judicial Circuit Court, XXXX, FL, on XXXX. The amount Professional Debt Mgmt. is reporting and attempting to collect is {$3400.00}. Despite providing them with bankruptcy case information, collection and release from claim letters from XXXX XXXX, and copy of court documents, they continue to refresh ( and change first report date ) on my credit reports and claim the debt as valid. Creditor is not entitled to collect on any portion of the home purchase balance discharged in the bankruptcy. Lot rent owed ended with the surrender of possession of the lot and collateral on XX/XX/XXXX, per the creditors terms in the letter I received - copy provided to the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NJ).
Issue: Closing on a mortgage

Complaint: My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.

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