milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit inquiries that i did not do are on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I recently submitted a request to XXXX as well as XXXX and Equifax to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: EQUIFAX HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY VULNERABLE TO IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service ((CD) Certificate of deposit) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of XXXX we applied for a hardship loan from Citimortgage due to XXXX loss of a job and a decrease of the home value due to the recession. The loan was declined since we were not in default or imminent danger of default. We continued to pay the mortgage out of our retirement savings. From XXXX XXXX through XXXX XXXX the loan was being processed by Citi. Every week we called them for an update on the status, they continually asked us for additional paperwork, most of it duplicates from the original loan request. Over this period of time we were unable to pay on the loan thinking this would be processed in a timely manner and our interest rate would be reduced ( It was over 5 % ). Citi assured us every week that the loan was in final review. On XXXX XXXX, XXXX we received a phone call from Citi stating our loan was NOT approved, due to " Quality Control. '' We requested a written notification multiple times but never received anything from Citi. On XXXX XXXX, they sent us a payoff balance and a foreclosure date within 15 days. We had to borrow the money to avoid foreclosure. Of course our credit has been seriously damaged even though the arrears were paid and the home was eventually sold in XXXX XXXX. Because of lack of transparency and the misrepresentation of Citi we suffer financial losses and our credit is damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a dispute with XXXX onXX/XX/XXXX confirmation # XXXX and Experian # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXXand that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigation XX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results todayXX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.

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 04-04-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: Late fee ( {$20.00} + interest ) was charged for a balance-in-full payment ( {$1000.00} ) XXXX DAY after the standard due date. 

Two things annoy me here : 1 ) The implied interest rate works out to north of 600 %. As you know, there are a few ways to calculate the interest rate implied by a late fee, but I believe my calculation is the most appropriate. Had I paid XXXX day earlier, the fee would have been {$0.00}. So Citibank has charged me {$20.00} for the use of {$1000.00} for XXXX day. Note they separately ding me for interest too ( {$4.00} ) -- I 'm not even bringing that up here. 

2 ) the due date is a few days before the cycle-end date. There is no practical reason for this mismatch and honestly it strikes me as ( at best ) an anachronism from slower systems and processes of the 20th century and ( at worst ) a deceptive practice. Cycle date and due date should be aligned -- there are too many dates to keep track of.

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 01/27/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To be completely honest with you I don't know who they are and how much I owe them I just know that I just want them off of my credit as quickly as humanly possible

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I am filing this complaint against Bank of America due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Bank of America Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Bank of America the same day of my closing. It was for {$74000.00}, check # XXXX at Bank of America Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Bank of America. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with REGIONAL MANAGEMENT CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.

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 09-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!

Company response to consumer: Closed with non-monetary relief