milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal  spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX, 2017, I received an email from Wells Fargo stating if I signed up for a VISA Checkout account and made a qualifying purchase of at least {$10.00}, Wells Fargo would credit my checking account {$10.00} within 45 days of XX/XX/XXXX, the last day of the promotion. I even created the VISA Checkout account through the link provided to me in the email. I have called this company numerous times ; however, my calls seem to fall on deaf ears. No representives seem to know about this promotion, and the reps who did know about it did not know how my account would be credited. The final rep I spoke with had me fill out a form that did not seem to go anywhere. This led me to file a complaint with the CFPB, which is utterly ridiculous, for {$10.00} - yes {$10.00}.

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 01/29/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have in the past try to lower my monthly payment with Navient and have been denied. I am not able to afford my monthly house bills, groceries, daycare costs, vehicle payments due to my monthly private student loan payment and it has yet again gone up. I printed out my tax interest statement today and if I calculate my monthly payments times 12 and subtract what I have paid in interest, only {$1000.00} has gone towards my principle which means i'll never be able to pay this debt off. Unfortunately even though I have paid {$14000.00} towards interest alone last year that when I complete my taxes they cap it at {$2500.00} which does not help our family of XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt. 

SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else. 

XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (MS).
Issue: Closing/Cancelling account

Complaint: My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The interest rate on my private student loans have been steadily rising every quarter. They have risen more than 1 % in the past year, with the largest now sitting at more than 12 %. At most, they should have only gone up by .25 % to correspond with the Federal Reserve interest rate hike. In reality, the interest on a loan that ca n't be discharged should never increase. I have never missed a payment, and there has been no change to my income or credit score. I have contacted my servicer twice to inquire as to why they are rising, and have received no response other than " we have received your communication and will be in touch. '' Raising the interest rates on massive student loans for no discernible reason should be against banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I signed up for a trial payment plan to avoid foreclosure as I was behind on my mortgage payments. I was set up on a three month payment plan for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My first payment which was mailed XX/XX/XXXX was lost in the mail. On XX/XX/XXXX I sent them a form required by the bank to replace the lost cashiers check. I never received a response back. I have called emailed and faxed multiple times. On XX/XX/XXXX I was advised to send proof of payment. On XX/XX/XXXX I sent proof of payment. My third payment was due XX/XX/XXXX. Since I never received the form I tried calling them again on XX/XX/XXXX to pay over the phone. All my calls were disconnected by recording regarding high call volumes. Ive tried calling multiple times today and left my phone number but still no call back. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I made a deposit for XXXX to wells Fargo on the XXXX of XXXX. They told me there would be a hold until the XXXX. On the XXXX talking a my customer who wrote the check he said they, had already taken the funds from him. I went to the branch and explained and, l they said there was nothing they could do. They are holding people 's money t, use it for their interests. I would like to know if I have any recourse?

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 08-03-2016 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit International Corporation (ID).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/XXXX, we paid the city of XXXX {$2400.00} for our quarterly real estate taxes using our account at Citizen 's bank. For some reason it was charged again on the XX/XX/XXXX, rejected due to insufficient funds, charged a bank fee, reversed on the XX/XX/XXXX, and then processed again on the XX/XX/XXXX when a deposit increased the balance to cover it. As soon as I discovered this I went into the local branch. The banker there filed a claim ( his idea ), and a credit was received XX/XX/XXXX.He also told us the {$39.00} fee would be waived, which never happened. On XX/XX/XXXX XXXX returned the second payment, and additionally there was a dda debit for the same amount. By the end of this there were 7 transactions in the amount of {$2400.00}. Four were debits, three were credits. Each of these transactions changed our balance, so at the end we are minus {$2400.00} plus the {$39.00}. XXXX, the company that apparently runs the online system for Ctitizen 's, claims we owe them a payment in that amount. I went in to the branch again and went over evrything and the banker agreed with me but refused to speak with XXXX. There is ( was? ) a note on our file with Citizen 's saying we are correct, but then they switched and said we owe XXXX, who has now turned this over to a debt collector. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Credit monitoring or identity theft protection services

Complaint: In    XXXX   XXXX     2016 we  found out we had a delinquent  XX/XX/XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XX/XX/XXXX     payment. The   XX/XX/XXXX  p ayment made the  XX/XX/XXXX  payment and now I was late  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2 pa yments to  XXXX  at this time. One check for  XX/XX/XXXX  and the other for the missed payment. At this time I asked them if they could please contact the maj or Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX  stating the payment was sent on  X/X/16    making  XX/XX/XXXX  payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.

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 11/18/2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The last 4 years I have tried and tried. Letters to Equifax, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with Equifax and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. Equifax XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX  kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on XXXX freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX Equifax XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Santander Bank, branch @ XXXX PA closed our XXXX ( XXXX XXXX ) accounts on or about XX/XX/2015. Representatives at branch & compliance told us they mailed XXXX checks for the ending balances. As of this date Santander Bank has lied misrepresented and refuses to return our deposit money, {$28000.00}. Branch Manager XXXX XXXX is not cooperating, nor is XXXX or XXXX ( branch assistants XXXX. Compliance Dept has told us XXXX times that the branch closed the accounts and is able to issue us a bank check at the branch however, no one is cooperating. Our XXXX may close as a result of Santander Bank 's fraudulent representations and refusal to return our demand deposit money, principal amount owing {$28000.00}. We ask the honorable CFPB to open an investigation and seek justice which we believe is the principal amount plus penalties and interest. Thank you.

Company response to consumer: Closed