milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: APR or interest rate

Complaint: I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
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: X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Installment loan) with Social Finance, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this 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 non-monetary relief
Consumer complaint received 08-03-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.

Company response to consumer: Closed
Consumer complaint received 01/29/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MT).
Issue: Customer service / Customer relations

Complaint: I went in to an XXXX store in XXXX, XXXX on the weekend of XX/XX/2017. I was visiting from my home in XXXX. I purchased an item, a briefcase bag. There was no sign displayed detailing a return policy of any sort. I left with the bag. When I got the bag back to my hotel, I noticed a split in the leather at the point where the bag would bend. The next day, I took the bag bad to a second XXXX store because it was closer to my hotel and I was leaving on the plane that day. They told me that they had a special return policy where I could only exchange the bag. Being from XXXX, and afraid that my replacement bag would break in the same way as well, I declined. I next called American Express, my credit card. The agent told me that they could not do anything for me until the charge posted, but that I had purchase protection should the merchant not allow me to return the bag. I was then transferred to the American Express Insurance Company. I stood there at the store counter and filed my claim. The Amex representative told me that my defective bag was eligible for coverage up to 90 days and other plan and claim information. As I was doing this at the store counter, the store manager was listening to me file a claim. He said it was not their store policy but that he would give me a gift card instead. I ASKED the Amex Representative about this, because I did not want a gift card. I live in XXXX, there are no XXXX stores there, I can not use a gift card there. He said very little, just that I could accept a gift card in exchange for the bag. He said nothing about how this would impact my claim for insurance. He still said my claim After speaking to the representative, I left the store with the gift card instead of the defective bag upon the advise of the American Express Insurance representative. American Express Insurance subsequently denied my insurance claim on my credit card because I do n't have the bag. I feel cheated, tricked, and misled by my own credit card. The agent never once told me that I should hold on to the defective bag instead of taking the gift card. He instead told me I could take the gift card and failed to ever mention that it would invalidate my insurance claim that he was filing for me. I subsequently called back and another agent told me " I should have know that a gift card was an excluded item. '' The American Express agent actively led me into a circumstance where they would not have to cover my purchase to their benefit and my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (ME).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My son applied for a student loan through XXXX XXXX I did n't know at the the time my name was used as a co signer just as a reference only. there are 4 loans and only one, the last one was in my name. My son did n't pay for the loans and XXXX XXXX contacted me and said I was a co signer on his 3 loans. I said I never signed anything can you send me the loan application with my signature on it. they sent me the copy of the application that is with Navient now, and no signature anywhere with my name on it was found. I called them and they said they did n't need a signature they use the I.P. address as a signature. they told me I would have to go to the police department and file fraud charges against my son and fill out some paper work with no guarantee that I would be removed. No father wants to file charges against his son or daughter our relationship is hard enough know with him not paying the loan. I have been setting up every year with Navient payment on these loans but I feel they have blackmailed me into this position. they have also filed late payments on my credit report for bills I did n't know where over due because I was not the original name on the loan. I feel this whole student loan program is a scam no where can i get this money without signing my life away. an I.P. address only???? And you can get 100k something is wrong with this system and I am an innocent victim left to pay. 

I hope you can help me thanks for your time XXXX XXXX XXXX  Navient loan # XXXX loan # XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Rent Recovery Solutions contact me in regards to a debt with a landlord-tenant dispute. They informed me the debt was associated with an " eviction '' that had occurred. I asked them if the debt had been verified, they confirmed, and I then requested to see paper work associated with the eviction ( court papers, court date, etc. ). They would not disclose this information, as I already knew the landlord did not provide me with an eviction notice, nor was I given an opportunity to defend myself in court. This all stems from a last month rent withholding due to the property being deemed uninhabitable per a city violation that was issued by XXXX XXXX that was not acted upon. I have tried multiple times to contact XXXX XXXX ( XXXX ) regarding this matter only to get no response. I beg of you to please look into this matter as I am almost certain there is some form of fraud taking place as this debt went from {$840.00} ( one month of rent withheld ) to almost {$5000.00} without a court date, eviction notice or legitimate verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Other type of mortgage) with PROPEL FINANCIAL SERVICES LLC (TX).
Issue: Trouble during payment process

Complaint: I applied for a property tax loan. I learned in XXXX 2017 the loan was cancelled in XXXX 2017 without my knowledge. The first payment was due XXXX XXXX, 2017. I inquired as to why this account was not available for me to view via email. In XXXX, I called and was advised they do n't know why it was cancelled or why I was not notified. All they could do was to take a message. I was told my complaint would be forwarded to XXXX XXXX at the company. XXXX XXXX XXXX ( primary mortgage company ) is not allowing me to make any kind of online payments - I have attached a screen of what I see when I attempt to make a payment. I know from past experience, they will say it is because my account is not current. However, how can it be current when they added over {$3100.00} in escrow charges that are due? These companies are working together to ensure my house is foreclosed upon so they can profit.

Company response to consumer: Untimely response
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Prestige Financial has failed to update my credit reports with XXXX, XXXX and XXXX according to the current status of the account. I have paid Prestige current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all 3 reports, Prestige is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the Representatives at Prestige and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with Prestige is current. 

This false inaccurate information has caused credit denials.

Company response to consumer: Closed with explanation