milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and XXXX I am so lost at this moment because I never even had a account XXXX  would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Unsolicited issuance of credit card

Complaint: I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words " credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card. 

I cancelled the card through Bank of America ( not the problem company ). When I cancelled the card, the Bank of America representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain. 

After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint. 

XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting an account that 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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XX/XX/2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST 8 OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS EXPERIAN. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX XXXX INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED EXPERIAN AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )

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 12/28/2015 about Other financial service (Check cashing) with Global Payments Check Services, Inc. (NJ).
Issue: Fraud or scam

Complaint: when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Settlement process and costs

Complaint: I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Cash Express, LLC (TN).
Issue: Problem when making payments

Complaint: My payment was due on   XXXX   XXXX   XXXX    . On   XXXX   XXXX  , I made my payment. After making my payment, they tried to withdraw the payment from my checking account which caused a {$35.00} overdraft fee. The lady I spoke with admitted she made a mistake.  Again o n   XXXX   XXXX   XXXX    , they attempted to withdraw the payment again causing another overdraft fee. I called the store who referred me to the district   manager. I have tried several times to reach the district manager with no success. I notified the store of this to which they gave me the number of the regional manager. The regional manager does not answer her phone either.
Also when you apply for the loan, they tell you your payment is monthly only l  ater to be billed bi-weekly.

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 Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.

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 02/15/2018 about Credit card or prepaid card (Government benefit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.

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 12/31/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/17 {$880.00} was put into collections without my notice. I was not aware 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.

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 05/15/2017 about Debt collection (I do not know) with Orions Management Group, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: this company has called me several times threatening if i dont call them back they will take action. They never state where or why they are calling. They call several times a day. They also call my friends and family asking personal information about me. I have asked them what company they are with and they wont tell me. Repeat that 'I am hiding from someone and should be ashamed '' They have threatened to call my work place. The  Guy on th e other line identifying himself as  XXXX   XXXX  is very unprofessional and speaks to you very rude and disrespectful. He also states he sends mail to my house that I must respond to. I dont know what mail or even the name of the company he is with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I had a financial situation occur that was not my debt that brought my bank account balance down to nothing. I called my mortgage company in XXXX while I was still current to inquire as to if there was anyway to skip a payment. They informed me that they could do an " informal forbearance '' and I could skip that months payment and they would split it up over the next 3 months along with my normal payment. I told them that I could make my payment if it was going to adversely affect me and I was told that there would be no issues. I made the payments as agreed and well before the time they were due each month. I happened to look at my credit report and saw that they were reporting me as being 30 days late for the 3 months. I called my mortgage company to ask why this was and I was informed that they were sorry for neglecting to tell me I would get reported as delinquent and that there is nothing they can do about it. I reminded them that when I made the arrangement I was still in good standing and only did the payment arrangement as I was told it was not an issue ... and their response was again, " we are sorry for not telling you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have a student loan with  XXXX  ( now Navient ) since  XXXX . I have struggled with making payments since I got the loans and still walked out owing when I was left with no degree or certificate. I have attempted borrowers defense and the only  discharged  the  XXXX  from  XXXX  being closed. I ended up filing bankruptcy  XXXX  and this STILL is the only debt I have. They never advised me of the  IBR  until  XXXX  and even the interest is increasing my loans and effecting my  credit score . I filed a complaint with Ombudsman that mandated they remove my payment history from  XXXX / XXXX / XXXX  back t  XXXX  and they still wont remove the history. I do not feel I owe these loans and have failed to help manage them since  XXXX . The loans went from  7,000  to now over 12,000 over the course of  XXXX  years. They have multiple accts listed making it look like there are more loans than there actually are. And I have done disputes on my credit report and still not rectified. They advised me to consolidate the loans now they are listed under  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. 
Progressive mgmt systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (NV).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. 
I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45  minutes with the person trying to help me get the app up on my phone and then another 60 minutes  on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. 
Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: I entered into a settlement agreement with Citibank on a Sears account ending in XXXX that allowed me to pay them {$4200.00} as payment in full. I was not able to get the loan completed by their payment due date, so I called and asked for an extension and was told that it was fine and I asked if needed another settlement letter and Citibank said no. So the loan went through with my credit union and sent them Certified check marked loan payoff. I thought it was all over until I started receiving calls from XXXX and I told them i paid the account with Citibank, but still went ahead and filed a collection lawsuit against me for the account I settled with Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief