milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Account opening, closing, or management

Complaint: I received a call from Bank of America in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Bank of America charged off {$1900.00} in my name and upon calling Bank of America to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.

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 08/27/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Williams & Fudge, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: this account is to old and is not verified I want to see the contract that XXXX XXXX has with this company that allows them to report to my credit that is my right I want to know how for sure they know I owe this debt I want the a the on sight notes when this company became a member I will not take a update in XXXX XXXX as proof that this company has my ss # ans address

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 07/19/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: We have applied repeatedly for a loan modification over the last two or three years. Until 1 1/2 years ago we had made our mortgage payments regularly, never had a late payment, and never missed a payment. We had an excellent credit score! I retired one year ago. We also were both terminated from jobs 3 1/2 years ago losing $ XXXXyr in income. Our income is now 1/2 of what it was previously. Nationstar Mortgage keeps offering us a modification which is MORE than the payment we were making when we had to stop payments. The " modified '' payment is 72 % of our income. They have made no reasonable effort to offer us a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/22/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. These accounts were recently removed from my credit bureau, then placed on. STOP DOING ILLEGAL THINGS, SCAMMERS! This company purchased a debt that no longer exists. There are three accounts they acquired one from XXXX XXXX, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX originally reported to the credit bureaus. I sent them proof of my payment and said that the debt was cleared. I got a phone call from Transworld Systems , Inc. saying that I still owed the debt on XX/XX/2017. I have an FTC reference number and faxed them the information. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: From my understanding XXXX XXXX XXXXXXXX and Navient has a class action lawsuit filed against both organizations. I am a former XXXX grad. Navient is my student loan serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Turning Point Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for this dating service, XXXX XXXX on XXXX/XXXX/2012. The representative of this company did a bait and switch of their dating services. I specifically told the woman that I DO NOT want a blind dating service. She told me that I would be able to see a photo before hand. She also did not give me a copy of the contract until after the three day rights of recission expired. I also was an emotional wreck when I came into the office and signed it under duress. Afterwards, she told me that I can do a different plan to see the candidates but it would cost me an additional {$10000.00}. 
Now a collection company called Advanced Capital Solutions is hounding me for further payment. As far as I am concerned, they should issue me a full refund for the money that I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3  years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I lodged a complained against XXXX XXXX XXXX regarding a phone service and I was due a response regarding this matter. My bill was sent to collections and now, I am outraged and would like to find a solution.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was sent a credit card offer from Chase Bank for a XXXX XXXX credit card. The offer said that if I get the card and spent {$3000.00} in the first 3 months that I would get 50,000 bonus miles for XXXX XXXX. I applied for the card in XXXX of 2016 and I was approved. I called in to Chase Bank to see if I would qualify for the offer and they said I would get the offer. I spent more than the {$3000.00} limit to the get the offer. I canceled the card and chase told me that the miles would expire in 2 years. After my account was canceled my miles disappeared. I have been trying to work with Chase to get these miles back but they said that m account was purged. I did nothing wrong and now chase will not work with me to resolve this issue. The account number on this closed account was XXXX. I have also received a letter from Chase saying that I was supposed to receive the bonus. I will attach that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit score dropped by 60 points and equifax can not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies 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 monetary relief
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: An inquiry was made to my credit bureau in error from XXXX XXXX XXXX services. XXXX states they notified Equifax of this error and asked Equifax to remove. Equifax has not removed the inquiry. I disputed and was advised to contact XXXX. I have a letter from XXXX but Equifax will not accept the letter nor remove the inquiry. A consumer can attach paperwork to disputes for anything other than inquires or demographic information. There is also an address in XXXX SC on my credit report. I have not lived at this address, as its my mother in laws address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/2017 I made an internet purchase that was mistakenly deducted multiple times from my checking instead of once. This did not come to my attention until I was accumulating NSF fees from USAA when my auto-bills and savings transfers were deducted. I brought this to the attention of USAA and made several calls stating that this was a mistake and the excessive fees are keeping the account in negative balances which in turn is accruing more fees. 

The representatives refused to remove these fees even though this was not my fault and they have accumulated to a total of {$460.00}, which is absolutely excessive. Today they told me that as a courtesy they would remove two of them, the total is still over {$400.00} dollars. Not only this they have given me poor financial advice in response, one rep I spoke to was condescending and told me that I should apply for a different credit card with a higher limit to handle all of this, I did this and it lowered my credit score. Another representative suggested that I get rid of my acorns savings app because those transfers of small amounts are what triggered a few of the fees, as though it were because of the app and not because of the fact that over {$400.00} is missing from my account. 

I had no choice but to take out a {$500.00} emergency loan from a family member just to get the account to even so the fees would stop. I asked how they can possibly justify taking {$400.00} from me over a mistake and they just repeated " there's nothing we can do. I make enough money to cover my bills and I send a small amount to savings, USAA has completely taken advantage of me, {$400.00} is greedy and excessive. Also after the way they talked to me and their " suggestions '' about what I should do, I feel discriminated against for my financial status, it's my choice to do what I do for a living even if will not make me rich, it makes me happy and it affords me what I need, it does not afford me to pay USAA 's frivolous fees for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit card () with DISCOVER BANK (FL).
Issue: Credit card protection / Debt protection

Complaint: I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.

Company response to consumer: Closed with explanation