milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX, I applied for a Bank of America XXXX XXXX Signature edition credit card. I did so because I wanted to receive the benefits that were outlined in the offer ( e.g., miles, companion ticket, etc. ). I was immediately approved and was informed I could begin using the card, which I did ( spent over {$1000.00} ) to meet the requirements for the miles. <P/>Upon receiving the credit card in the mail, I called Bank of America to ensure that I would be receiving the airline benefits, because they ( miles, ticket info ) were NOT outlined in the paperwork I received with the card. They told me I needed to contact the airline to find out that information. I called the airline, and they told me they did not have access to that information and that the awards would be issued after my first statement ( since I already spent the required amount ). <P/>Approximately one month from when I applied for the card, the first statement was issued, I checked my account online. In reviewing my account, I noted that I did not receive the miles I was expecting, but rather only a small portion of that amount and no companion ticket. XX/XX/XXXX I called both the airlines and Bank of America, and was informed that I was not approved for the " signature card '', even though I have a excellent credit score ( about XXXX ) and my $ XXXX mortgage has been with Bank of American for the past 7 years ( always paid on time, no issues ). I was approved for a different credit card, 'platinum ', that was not eligible for the same benefits. <P/>I requested that they change my account to the 'signature ' edition, but they told me that even though I would be eligible for the signature card, I was no longer eligible for the airline benefits that came with that card because I was already issued the 'platinum '. <P/>Bank of America needs to be more up front about their different card options, which one someone is receiving and benefit differences, and people should be able to apply only for the Visa Signature edition. If this is not resolved, I am going to cancel my credit card with Bank of America and change my  mortgage to another institution.

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 09-09-2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.

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 09/14/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Contacted Navient XX/XX/2016 about changing due date for my loans. Date was changed to XX/XX/XXXX. Last paid balance XXXX/XXXX/16, discussed upcoming due dates of XXXX/XXXX/16 and XXXX/XXXX/16. Logged into Navient website XX/XX/XXXX and XX/XX/XXXX prior to XXXX/XXXX/16 showing no payment due and next payment due XXXX/XXXX/16 through AutoPay. All indications were that the account was current and that the next payment would in fact be XXXX/XXXX/16. There is no suggestion that the account is past due on " new '' Navient website or " old. '' Photos are attached to this complaint. Received via hardcopy dated XXXX/XXXX/16 that account is past due, there is a {$46.00} late fee, and I also note that interest rates are no longer being credited 0.25 % for AutoPay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Did not handle our situation today XX/XX/2018! My husband and I went into XXXX to get his free credit report. When we got to Experian and got the credit report on our computer, we couldn't read the report, and it wouldn't let us download the copy of the report. You could only print it, and there were too many pages to print. Our ink was already low! We went to one dispute item to select the reason, and tried to attach a document to the item and the site told us to go back to XXXX to start over again due to our time expired! We already didn't like the items they had on our credit report, and for us to go back to the beginning in order for them to charge us for our free credit report is totally insane! We didn't get to obtain the report number so we could go in the website to look at our report! We should track the credit bureaus! It may not always be the reporting companies! We don't want to have to pay for our free annual report! This is just crazy!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my data.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I have been engaged in discussio ns with Conn 's  since  XXXX   XXXX  about the interest rate they incorrectly added to my account when I received an installment loan for furniture in  XXXX   XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General.     I am attaching a copy of an email from  XXXX   XXXX , dated  XXXX   XXXX ,  XXXX , which specifically states " We are in the process of adding the " cash-option '' to  XXXX   XXXX  's account.  XXXX   XXXX  has paid the account balance in full and will received a refund of any interest  she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XX/XX/XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one com pany. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry,  Negligent, Defamation, Please advise me on this matter..      Sincerely  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 04-12-2015 about Debt collection (Medical) with PlusFour, Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A collection agency illegally re aged one of my accounts. 

XXXX XXXX. 
XXXX, NV XXXX

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. 

Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. 

After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. 

Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. 

I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of 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
Consumer complaint received 03-09-2017 about Debt collection (I do not know) with Roosen, Varchetti & Olivier, PLLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Was not living at that apartment in that year or month..The sdebit have been charge it was well over 10 years ... The Apartment management Understood I was released to my ex girlfriend due to domestic legal issues..

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX, I received a XXXX notice from the IRS. After contacting the IRS, I was told Wells Fargo Bank had submitted to them a cancellation debt income conversion based on a Home Equity Loan taken out for home improvements under acct # XXXX in the amount of {$6300.00}. In additional, the XXXX XXXX XXXX XXXX also reported XXXX accounts to the IRS same notice for {$490.00} and {$49.00}. I do n't have an open account at either XXXX of these financial institutions. In terms of the XXXX XXXX XXXX XXXX, my accounts have been closed since XX/XX/XXXX. In addition, there was a law suit filed naming them as a plaintiff under cause no. XXXX and all issues were resolved. In terms of the alleged home equity loan, this was suppose to have occurred on XX/XX/XXXX and reported to the IRS on XX/XX/XXXX. Unfortunately, this is the XXXX complaint being filed against Wells Fargo bank and also XXXX XXXX ( within your data base ). I contacted Wells Fargo bank, supervisor and she indicated after retrieving the file that the address on the account was different from my current address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX also provided a different account number XXXX. I explained to XXXX XXXX that I never applied for a loan equity loan via Wells Fargo and I viewed all of these accounts as identified theft and fraud. She referred me to the their fraud division. Within the last three months, I have filed complaints against Wells Fargo bank, XXXX XXXX, and now Wells Fargo bank again. Please investigate what laws have been broken to allow Wells Fargo Bank to fraudulently falsify documents and forward them to the IRS without forwarding to me a Form XXXX, but how was that possible if the address on the home equity loan is different from where I live. It would seem that someone between Wells Fargo and the IRS would have checked the address before assuming that I have XXXX residents since they both have my accounts and my same address ( XXXX XXXX XXXX XXXX ). This incident is a continuation of the identify theft, fraud, and the bank allowing third parties access to customers banking information and accounts. Please investigate and enforce applicable banking laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Transaction issue

Complaint: On XX/XX/2016 I bought a product to the company XXXX, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer 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 08/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I had a promotional balance with Best Buy. The promotion ended and I did n't know about it. I contract the XXXX number and was told it was to late and 2 months ago that they could n't help me. I was told the only way to get help was write a letter to a different department. I also found out I was n't receiving a statement paper or via email. I was told if I did receive the statements I would know of when the promotion was ending. I was however receiving a due date payment which I had thought this was my statement but it turns out it was n't. I did however completely pay off my bill minus the interest. I have now sent XXXX letters to the department they told me to contract and I have n't received anything back.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.

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 09/21/2016 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation