milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NV).
Issue: Taking out the loan or lease

Complaint: A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Costco decided to change credit card company so they send me a citi card application which I refused, Never send the paper work never received a credit card and statement, went to costco where they said because I denied the credit card I have to call them again, I did not as I wanted to apply with a different credit card from XXXX. I received a statement from citi bank telling me I was delinquent on my bill ( Never received a credit card instruction on the credit card never saw this credit card ) until I received a statement stating I was late on my payment received penalties and fees I immediately called Citi Bank and told them I have NEVER accepted or signed an agreement for the card and did not even have that card in my possession We had a three way call with Costco which I cancel Costco membership. As I told citi card who wanted me to cancel the card I can not cancel a card who is not mine and a bill that I never saw before. They said they will take care of it.. 
Yesterday I received again the same bill from citi bank I am very scare my credit score is XXXX. I always followed the law and to see that a credit card company is able to issue me a credit card and ignore my right is beyond comprehension. I have the right to decline a card They have no right to send me a bill with late fee and penalties when I never saw or received a bill before??? 
I have citi bank credit cards which I will cancelled of course as I do not trust them anymore,XXXX of the credit card that I have accepted and signed for it years ago I have a XXXX balance.on it. being an excellent consumer did not phase they treated me without respect with regards XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Other type of mortgage) with MORGAN STANLEY & CO. LLC (GA).
Issue: Trouble during payment process

Complaint: I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

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 02-01-2018 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.

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 06-10-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: During the hurricane Irma, from XXXX thru XXXX We did n't have internet service to access on my BBT account. The mobile app shows error all the time. I lost counting how much money I have on account and the first fee come on XXXX, I went to the bank and I ask them to freeze the account because I do n't have money on my saving to transfer and cover the balance. It was lips service that they will do something. 
I am old customer from XXXX and I forgot that I have overdraft protection. They charge me for overdraft protection but I do n't have benefits from that, looks like double dipping. 

From that first overdraft fee I was NUMERUS time to ask them if they can do something to stop that account collecting charges and fees. I explain to them that my business is under construction it does n't make money like in normal days, I am divorced I have a small child and it is happened that I am tight with money.I try to cancel everything what is connected with that account and still pop-ups some charges, the situation is ongoing, every day the new fee is coming and I cant stop them.ThXXXX more they coming, the more I am falling in hole.The XXXX does n't budge works for them, why to stop. 
I have to mention that XXXX is my second language and I apologize for mistakes.

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 11/29/2017 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: Information belongs to someone else

Complaint: Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX  Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, XXXX, XXXX and TransUnion. And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
On XX/XX/XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XX/XX/XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with Praxis Financial Solutions, Incorporated (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.

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 (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX   XXXX need to investigate this company too ... 
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have a judgment on my credit that is not mine. I disputed it with Equifax over 120 days ago. the have not responded. 
I sent them a failure to respond letter and they just send the results of inquiries that never been on my credit nor disputed by me I checked the court records and they do n't have the account for me

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I opened an account with XXXX XXXX via XXXX XXXX inXX/XX/2017, I contacted the lender in XX/XX/XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called synchrony in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.

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