milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. 

When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I had a credit card that was secured. 
It was closed as I did not pay on it. 
But they did not allow this option for me when I did have funds to begin paying and called over the phone several time but get no where with them. 
now it is on my credit report listing incorrectly an amount owed? 
My secured amount was XXXX I owe XXXX as they have the secured amount?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with Penn Credit Corporation (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: COLLECTOR AND CREDITOR ARE MANUFACTURING DEBT TO COLLECT ON AND XXXX COUNTY IS KNOW FOR FRAUD AND SCAMMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.

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 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.

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 10/21/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: My debit card was lost and fraudulently used to take {$3700.00} out of my checking account over a two week period in XXXX, 2016. I reported the card as lost within two minutes after I realized it was lost. Citibank told me it would credit my account for the full amount while they did an investigation. It has now been four long months and I have not received any credit to my account, and I have not received anything in the mail regarding this dispute. I keep calling them to see why this is taking so long and I am getting very frustrated. Do n't use Citibank, they will steal your money and never give it back to 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 01-08-2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.

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 07/20/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Managing the loan or lease

Complaint: i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.

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 05/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Using a debit or ATM card

Complaint: I had XXXX XX/XX/2016. I believe I lost my wallet either on the day of at the hospital or later when I was unable to take care of myself. I did n't realize it was missing untill around XX/XX/XXXX or XX/XX/XXXX. I called the police and notified my bank. Bank of America had already frozen my accounts. I filed a claim with I 'd theft.gov got my credit report and followed appropriate steps to prove that my cards were stolen. I even wrote down the location of the arms so police could see whoever was responsible on camera. The bank of america risk management was beyond rude closed my accounts for no reason other than they told me it looked like the same person using the atm that had used it prior to date my card had been taken. That is a complete and otter lie on their part. My card and checks were used out of state even. Just having XXXX no way I could have done all these transactions. I prepared all this documentation mailed it to an address they provided me only for them to tell me they found it best to consider the charges mine and close my account. I am XXXX and have no way of paying all the charges of someone who stole my identity. Now I feel as if I have been victimized by the person who took my wallet and bank of america. No protection from them at all when that is exactly what theg claim. 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 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information 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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried to upload these documents on the Experian upload portal for identity theft. The documents will not upload. XXXX XXXX Account number, XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account number The XXXX XXXX Account Number. I did not open these accounts.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with Capital One Auto finance was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was Capitol One not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Professional Med Adj Bur is trying to collect a medical bill from me that I do not owe. I have told them that I had medicaid that paid for my prenatal care. I have even given them the medicaid number, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Investigative Concepts, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX   XXXX  Bank of  American p aid a check that deposited from my account which caused my account to overdrawn and charged a {$35.00} NSF ; which is perfectly fine. However on  XXXX   XXXX  BofA decided to charge me another {$35.00} fee for " extended overdrawn balance charge '' because I did not bring my balance current withi n 5  business days.     I get paid ever y two weeks and advised that this balance will be brought current on day 7 once my direct de posit hits my account ; however the bank did n't see fit to reverse the charge.     I think this is a very unethical charge and is a predatory charge to the consumer.

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 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX was supposed to pay off my XXXX wireless account. The documents sent by XXXX were uploaded to XXXX website and they were rejected. I did not know they were rejected right away. I had called XXXX and been working with them and XXXX wireless to get the corrected information to XXXX. IN the mean time this account went to default and the account is not paid. XXXX was supposed to pay off XXXX. I have emails to XXXX CEO 's with the documents if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
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: THIS IS A CONTINUING COMPLAINT ABOUT RESPONSES BY CITI CARD CONCERNING Complaint number : XXXX WHICH HAS BEEN DEEMED TO HAVE ENDED. THE RESPONSES RECEIVED FROM CITI ARE FALSE IN MANY WAYS. IN A LETTER TO ME FROM CITI, DATED XXXX/17, THEY HAVE DISMISSED MY CLAIM OF 2 CHARGES WHICH WERE DISPUTED BY ME. FIRST IN THEIR LETTER THEY HAVE SAID THAT THEY TRIED TO REACH ME BY PHONE. I HAVE A FULL TIME RECORDER ON MY PHONE, & IT SHOWS THAT NO SUCH CONTACT WAS ATTEMPTED. FURTHER A PHONE CALL IS NOT A LEGAL DOCUMENT. THEY HAVE RECEIVED ALL OF MY DOCUMENTS BY FAX, WHICH IS A LEGAL DOCUMENT. THEY ARE NOW REACHING ME BY LETTER, & TELLING A STORY WHICH IS " NOT TRUE '' IN MANY ASPECTS!
ON THE DISPUT OF 2 CHARGES, EACH FOR {$99.00} I REQUESTED WITHIN 2 DAYS OF THE CHARGES APPEARING ON MY BILL TO DISPUTE THESE CHARGES. I NOTIFIED CITI THAT I RECEIVES 2 ITEMS FOR A SHIPPING CHARGE OF {$5.00}, & {$6.00} FROM A COMPANY FOR TAKING A SURVEY. I NVER DALT WITH THE COMANY AGREEING TO PAY ANY OTHER FEES. I EXPECTED CITI TO ACT AS MY AGENT IN DISPUTE OF THESE FEES. CITI ISSUED A TEMPORARY CREDIT, & THEN MORE THEN 2 MONTHS LATER TOLD ME I HAD 14 DAYS TO CANCEL A FREE TRIAL FROM THE COMPANY. I DID NOT TAKE 2 WEEKS TO DO SO AS BY THEY BEING MY AGENT I DID SO WITHI9N 2 DAYS OF THE POSTING OF THE CHARGES. WHY DID CITI WAIT FOR THIS LENGTH OF TIME TO NOTIFY ME OF CONDITIONS THAT I HAD TO CANCEL THE CHARGES. THIS ACTION IS WRONG DOING & NEGLIGANCE ON THE PART OF CITI & I REQUEST THAT CFPB TAKE ACTION AGAINSTN CITI TO CORRECT THE SITUATION.
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 monetary relief