milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.

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 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. This credit bureau consistently fails to comply with FCRA as they do not properly investigate or verify the accounts the report on consumer credit files.

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 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.

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 03/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.

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 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My report said I have a mortgage loan n a car loan out n I have neither

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 08/29/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: At Sallie Mae, they offer 3 month forbearance periods for struggling loan receivers that ca n't afford to pay back the debt. On XXXX XXXX, I called Sallie Mae to ask for a forbearance because i couldnt make the payments. My account was up to date, no past due payments. My payments are due on the XXXX of each month. So through out XXXX im still being harassed by sallie mae every day, waiting for the forbearance to be processed. This is a normal occurrence by the way, at least 8-10 calls a day. Its harassment and it should be illegal to bother my family and I so much. So after a few phone calls, i find out that the forbearance wasnt input correctly. So they had to restart the process again. So after that was over, i thought that this was taken care of. What I found out today is that the person I talked to in XXXX put in a 1 month forbearance. Which I did not ask or pay for. I paid XXXX dollars to have my loan in forbearance for 3 months. Now, im recieving harassing calls again from early in the morning to late at night. The times are outrageous. Sometimes as early as XXXX and as late as XXXX So now, they wont even transfer me to customer service because my account is overdue? It wouldnt be over due if they didnt input everything properly in the first place. This whole ordeal is so frustrating. No one can do anything for me at the office anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " XXXX XXXX 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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX. 

The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner. 

That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX. 

On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead. 

I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings. 

Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Closing/Cancelling account

Complaint: I received a credit card from XXXX XXXX. They sent the card and after I used it, they said they have to close the account because I made a large purchase. The card does NOT have a credit limit so its not like I went over my credit limit. Also, I paid the full balance in full. They are saying that since I ca n't produce tax returns and I made such a large purchase, I have to close the account. However, when I applied for the card, I told them that I just started working in XXXX XXXX. This means that my first tax return would not be produced until XXXX of this year ( XXXX ). I do not think it is fair for me to have a recently opened account being closed on my credit and causing my score to go down. I am prepared to take this complaint as far a I have to in order for justice to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I use coinbase and its trading site XXXX to buy bitcoin. XXXX had website problems with their ethereum  sales on X/XX/17. They are investigating ethereum transactions. I do n't have any ethereum in XXXX. I have XXXX bitcoins and XXXX cash. XXXX has put my assets on hold without giving me a reason as to why. I have submitted several support tickets but they are refusing to release my aaaets or respond to my emails. Please help release my funds being held illegally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: A late fees & interest was charged by BoA for their failure to trigger Auto Pay. When asked the representative, I was told that fees were legit and ca n't be reversed. Its not the first time this has happened. I had a similar issue and had to pay the fees & interest but, now, I would not pay for bank 's system mistake.

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 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I asked that Experian remove the bankruptcy from my credit report as it has been on the report for 10 years. Experian arbitrarily claims the bankruptcy will come off my credit report in 6 months. There is no reason why Experian should keep the bankruptcy on my report any longer. 
I know this because I asked XXXX to take the bankruptcy off and they did so without any complaint, see uploaded document.

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 04/14/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I XXXX XXXX, XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX does hereby state for the record that Wells Fargo Bank , N.A . is in violation of my rights under the Fair Debt Collection Practices Act for trying to extend the timeline of a judgment that is no longer enforceable from the original state where it was procured. All documentation to my complaint is attached, proving that a foreign judgment, although enforceable from XXXX, the terms of the judgment validity still is maintained in the original state. Without exception, the XXXX judgment was filed in 2008, and under terms of XXXX General Laws was only enforceable for five ( 5 ) years, unless the judgment was renewed. In this instance, the judgment was never renewed, even after Wells Fargo through legal representation filed a foreign judgment in the state XXXX. XXXX has a ten ( 10 ) year timeline of judgments being enforceable, XXXX has a five ( 5 ) year timeline. The timeline is not extended because XXXX has different guidelines for judgment enforcements. If filing foreign judgments in states that have a longer enforcement guideline were legitimate to extend the life of a judgment, then banks would file foreign judgments XXXX, where judgments are enforceable for twenty ( 20 ) years. The logic of Wells Fargo may look good on paper, but I have attached the necessary exhibits to prove beyond a doubt, that Wells Fargo is re-aging a debt validation from state to state illegally. The XXXX judgment is no longer valid, which equates to the XXXX judgment now being invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I counted my money in preparation to deposit in my business checking account the next day, i had a total of {$6300.00}, i am sure i strapped {$5000.00} worth of money. XXXX bundle of $ XXXX= {$2000.00}, XXXX bundles of $ XXXX {$1000.00} for a total of {$2000.00}, and finally XXXX strapped bundle with {$800.00} worth of {$20.00} 's and {$200.00} worth of {$50.00} 's equaling {$1000.00}. That totaled {$5000.00}. the remaining money was loose money of various denominations for {$1300.00} The next day on XX/XX/2017 at aroundXXXXXXXX i entered wellsfargo at XXXX , FL XXXX to deposit money for my business bank account. the teller XXXX took my money and used the counting machine, his back was turned to me and he was covering the machine with his body. the counter was high and from my view i could not see the led read out of the machine that gave the total. he proceeded to use the machine the first {$2000.00} bundle was correct. the second bundle of {$1000.00} was correct, the next bundle of {$20.00} 's was short {$200.00}, i thought he miscounted or the machine was n't set to count the right amount of money because of the inclusion of {$50.00} 's. He said he had the other bundle that had the {$20.00} 's and {$50.00} 's mixed together and proceeded to remove XXXX {$20.00} 's to make the previous short bundle of {$20.00} 's to total {$1000.00}. He counted the remaining money using the machine. I told him i had a total of {$6300.00}, but he counted the money again and said it was short {$200.00}. He gave me readouts from the counting machine for the loose money but did not give me a readout for the grand total. I withdrew {$100.00} from my wallet and {$100.00} from my personal checking account to make the business deposit whole. I can not stop thinking that when he was counting the money with his back turned to me that he could not have slipped money into into his open suit.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY XXXX CARDS. THEY REPORTED ME LATE IN XXXX AND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY XXXX XXXX DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.

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 02/29/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (UT).
Issue: Settlement process and costs

Complaint: My wife and I decided to refinance our house to help lower our payment a little bit. When we met with the company to start the refinance process, we were told that there was going to be no cost to us. Then we get documents that said we needed to bring {$270.00} to closing. We then get communication that we need to bring {$870.00} to closing. We next get a Document to sign saying we need to bring over {$1000.00} to close. We get that issue resolved, but have yet to receive any documentation on anything else. We have had to constantly request updates on where we are in the Funding process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation