milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Prepaid card (Government benefit payment card) with Comerica (CO).
Issue: Overdraft, savings or rewards features

Complaint: This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (ID).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have had a home mortgage with  Wells Fargo  for many years. I deiced to re finance my home with them. After I gave my appraisal money of almost {$700.00} to the people at the   XXXX   XXXX   XXXX   I never heard from them again. I called and called and nobody would return my phone calls. I finally went into the branch and demanded to talk the manger. After many more phone calls I found out they denied the loan due to a small problem that was fixed. However they did not contact me and tell my that my loan was denied for over   XXXX    days. Then they did not return my appraisal money. I had to make many more phone calls to get this done, and after that it took  XXXX  more days to get my money. Further more after I gave the   XXXX   XXXX   XXXX   all of my personal information I started getting many telemarketing call at my home, I NEVER got these before.I think that  Wells Fargo sold my personal information. DO NOT DO ANY BUSINE SS WITH  WE  LLS FARGO. I t hink there are being fraudulent with the public 's money.

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 01-07-2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Billing statement

Complaint: I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I live in XXXX, where it is unlawful to garnish wages for credit card debt. A very sneaky debt collector filed an application for wage garnishment which stated I am employed in XXXX. Again, I am employed in XXXX, and only my corporate headquarters is located in XXXX. They think they can skirt the law this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (Home equity loan or line of credit) with BANK OF THE WEST (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and an XXXX filed bankruptcy in XX/XX/XXXX. We had a home equity line of credit with Bank of the West and the borrower was the XXXX, my husband and me. Bank of the West was notified by the courts and our attorney. The billing continues to be sent in the name of the XXXX, even after I sent them copies of the bankruptcy notice. I called the bank the end of XX/XX/XXXX and they said they would change the name on the billing notice to my name since I did not file bankruptcy or not send notices to us at all. This process took about 4 years to complete. If a Chapter XXXX bankruptcy was discharge and the debt was not reaffirmed, can they send notices? The XXXX was no longer a viable company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Balance transfer

Complaint: I responded to an offer from Chase Slate Visa to transfer balances from other credit cards to theirs for an introductory offer of 0 % and no balance transfer. This offer was clearly stated in the mailing I received in XXXX 2016. I was approved and attempted to transfer a balance from another visa account on-line. I received a letter a few days later telling me the balance transfer was not processed because, " the payee address in unknown '' interesting to note they never asked for the address. Upon receiving the chase slate visa card, I activated it and called their customer support to attempt to process the balance transfer I was attempting to do previously. This time the agent tells me the account I gave them to transfer was n't a visa account. The visa credit card I have a balance on that I wanted to pay off using the new chase slate visa, was issued from XXXX XXXX XXXX XXXX and is a legitimate visa credit card account - their address is XXXX. XXXX XXXX XXXX XXXX UT XXXX, my account is through a branch in XXXX UT. The slobs at chase slate visa have clearly sent fraudulent information in a mailing, ( which I have copies of ) to entice me to sign up for a credit card account without honoring their 0 %, no balance transfer fee offer. This practice is unethical and illegal, and I do n't appreciate their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with AES/PHEAA (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: National Collegiate Trust ( NCT ) is the owner of one of my student loans ; they are a terrible company that offers no repayment options other than pay every month on time or we will ruin your credit. One day late is considered delinquent, and my minimum amount due has increased every other month for the last 3 years. I have attempted to make my monthly payments on time every month, and to pay more than the minimum monthly requirement to pay off the loan early, or at least attempt to. However, NCT has made it impossible for me to EVER pay off or reduce the principal of my loan. They have raised the interest rate on my private student loan 9 times betweenXX/XX/XXXX and XX/XX/XXXX, I have proof in notices. That is just this past year ; my monthly payment increases almost every time I send a payment in. Making it impossible to ever budget or correctly asses my monthly finances, I have no idea how much my expenses will increase month over month because of this payment.
I am currently paying just shy of {$200.00} per month for this loan, with the interest rate increasing and never decreasing, although American Education Services ( who services the loan ) informed me that the variable rate means it " could '' potentially decrease but they have never witnessed it. I am well aware that increasing the interest rate is only increasing the amount of money NCT is making off the loan, and they have absolutely no repayment options available other than to keep paying the loan until while starve to death, which at this point is a possibility. And one day late is considered delinquent, which negatively affects my credit report making it impossible to receive any sort of credit or financial assistance. I am stuck in a catch 22 of paying my payments on time every month in an attempt to retain some good credit, while they continue to increase my payment for no reason other than to make more money for National Collegiate Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Last week i attempted to secure a credit card from XXXX XXXX ; i currently have a savings account with them. This was opened XXXX week ago. I was informed that the card was being denied ; that among the reasons was that my wife and i had too many credit obligations and that there was a collection notice in my file under Experian. 

The only collection attempt that i can recall may under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was would be about XXXX years ago. 
I had enrolled in the above service and then attempted to cancel the next day and was informed it was too late to cancel. 
When the prescriptions arrived from XXXX ; i refused to accept the package. 
If this is the collection notice on my credit ; i am disputing being charged for any orders that was never accepted. 
I notice that XXXX has parted ways with XXXX 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 non-monetary relief
Consumer complaint received 02/19/2017 about Credit reporting () with AmeriCollect (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 11/26/2017 about Debt collection (Medical debt) with United Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me. 
Its irritated my. Theyve called 5 times already today and will call 5 more.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.

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 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....

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 10-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Student loan (Non-federal student loan) with CL HOLDINGS LLC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a company called Pioneer Credit Recovery that has been calling me as many as 4 times a day looking for a family member in regards to an " important business matter ''. I 've told them I do not know where or how to get in contact with this family and not to call but they still continue to call me. 
I do not want these people to contact me ANYMORE. Whatever the debt is, it 's not mine and there is no reason for them to be calling and bothering me about it. The toll-free number of this company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Improper use of your report

Complaint: On XXXX XXXX, 2017, I was filling out an application through Quicken Loans ' Rocket Mortgage program to see what products they could offer me for a condominium I was purchasing in a new development. I specified the details of the home as well as the down payment I was willing to put down and I provided all of the necessary financial information they requested. I provided my SSN and  my wife 's SSN as well. There was no indication of what mortgage products Quicken Loans had to offer and before making sure they had any mortgage product they could offer me, they immediately performed a hard pull on my credit report and on my wife 's credit report. I learned after this that Quicken Loans does not offer any mortgage products for condominiums in new developments and that our credit reports did n't even need to be pulled. I called Quicken Loans to complain about this issue, but they argued that a vague disclaimer that mentioned nothing about an immediate pull on your credit before considering mortgage options was enough to free them of guilt. I have spoken to several lenders and every single one of them always checked to see what potential products could be available for my wife and I before they made a decision to pull our credit. Several of the other lenders we spoke to also had no programs for new construction condominiums, but they informed us prior to ever pulling our credit.
My complaint is that Quicken Loans did not ethically, permissibly, nor reasonably perform hard pulls on my credit report and my wife 's credit report. They had sufficient information early on in the application process to know that they had no mortgage option available to us regardless of our credit reports. They also did not get permission to perform an immediate pull on my credit report without considering what options would be available.

Company response to consumer: Closed with explanation