milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: XXXX had sent out XXXX cards which I did not want and destroyed. The card was never activated. I received a bill for my XXXX membership on the card today. I had to call Citibank and be detained on the phone through XXXX representatives to get the card cancelled. I am very upset that this card was activated without my permission. I was also told I should call back to make sure the my account was cancelled. This is wrong that a I have to spend my time jumping through hoops for a card that was opened 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 11/13/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with BARCLAYS BANK DELAWARE (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (UT).
Issue: Managing the loan or lease

Complaint: GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 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: I have multiple problems with the latest Equifax breach. 1 ) I was already the victim of the breach. Someone stole my credit card information. Fortunately, my bank is awesome and caught the fraud before I lost any money. 2 ) Why the XXXX did it take so long for Equifax to alert the public?! 3 ) Why do I have to shell out {$10.00} a piece to each agency to freeze my credit? I understand that that is an optional step ; however, I would rather be safe than sorry. I am in my XXXX with kids and have many needs still for a solid credit score. This is money that should come out of Equifaxs pocket-NOT MINE! 4 ) When I did go to each website to freeze my credit, only XXXX website was operational. The only thing I can deduce is that these multi-billion dollar companies are employing a bunch of teenagers to run their technology departments. First Equifax loses personal information on half of America, knows about it for 3 months without disclosing, THEN ( the cherry on top ) theyre not even prepared for the fallout. What a bunch of total IDIOTS!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (WI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I received a letter " Notice of Right To Cure '' from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX through regular mail delivery at my home address mailbox. The letter is dated XXXX XXXX, XXXX, yet I received the notice on XXXX XXXX, XXXX, an obvious gap of six days due to XXXX internal delays and mailing said notice by regular mail delivery not by express, registered, nor certified. 

Subject of the letter Account XXXX. XXXX Retail Installment Contract dated XXXX/XXXX/XXXX, Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states " XXXX XXXX, XXXX, is the last day for non-payment of an amount due {$1300.00} to cure the default if I do n't pay by the due date we may exercise our rights under the law. These rights include the right to repossess the Vehicle. If you object to us taking possession of the vehicle, you may notify us in writing, no later than 15 days from the date of this notice ( Which I previously stated in this complaint, I received the letter XXXX XXXX, XXXX, not by registered or certified mail service. ) demanding we proceed in court. '' I responded to this letter in a reasonable and timely manner by mailing my response in a " Certified Letter, '' on XXXX XXXX, XXXX ( within 15 days of me actually receiving the notice ). USPS tracking system verified my letter was delivered to XXXX on the date of XXXX XXXX, XXXX. In the letter, I objected to repossession and demanded XXXX XXXX XXXX proceed in court.I have not received further written communication from XXXX XXXX XXXX since I received the said notice nor since I responded to it in writing. 

On XXXX XXXX, XXXX XXXX violated my right ( 15-day Rule to Respond ) to proceed in court by  repossessing the said Vehicle from my residence. This action by XXXX violates State of Wisconsin Statutes. 

In my opinion, based on the above-outlined experience with XXXX XXXX is a Predatory Lender seeking to rack up as much money from its clients by charging them racketeering high-interest rates when other lenders have refused to offer reasonable finance charges to those with challenging credit histories yet full employment status.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OR).
Issue: Application, originator, mortgage broker

Complaint: Locked loan XXXX XXXX - Submitted last of docs XXXX XXXX. E-mail from lender docs received XXXX/XXXX/15. my real estate agent ( XXXX ) called me XXXX/XXXX/15 XXXX informed he just got off phone with lender. I called lender XXXX/XXXX/15 about closing I was told I did not meet their requirements. I asked for a denial letter, the letter said Credit app incomplete. lender Closed my app XXXX/XXXX/15. Lender did not notify me Nor did they have the right to close my Loan App. My loss {$1000.00} earnest money and {$500.00} for appraisal. Not to mention my time and everybody else 's. Lender has admitted to making a mistake. HUD contract expired XXXX/XXXX/15 XXXX has to be requested XXXX calendar days before expiration. Extension fee $ 375.00Lender said I would have to re-apply.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This past  XX/XX/XXXX  I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later (  XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.

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 09/13/2017 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: On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Delinquent account

Complaint: My name is XXXX I was informed by my wife that she was in contact with a debt collection company named XX/XX/XXXX because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that your company never informed me that you purchased this account from Comenity Bank. I believe that your company has violated the FDCPA, first by failing to send me a debt collection notice in the mail to give me the chance to dispute or pay this account, reporting this account to the major credit bureaus without a validation of the debt, and improper sharing of information with a third party. You have also violated the FCRA by reporting this account as open on XX/XX/2016. I am requesting that you to remove that account from my credit file immediately. XXXX can not use abusive, deceptive and unfair practices. I believe that your company has crossed the line and I am preparing a complaint with the FTC. I have already file a complaint with the Attorney General 's Office and the Better Business Bureau against XXXX, and I intend to file a complaint with the FTC and a lawsuit against your company and Portfolio Recovery for violating the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with The Bureaus, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: CFPB Complaint Re WELLS FARGO BANK ( aka ASC ) In attempt to utilize the Government H.A.R.P. program, we were diverted by Wells Fargo / ASC, or rather coerced into using what they characterized as their " in house '' H.A.R.P. program to refinance the house XXXX instead of using H.A.R.P. We were not aware that there was a difference in HARP Program. In doing this, WF/ASC did not make clear to us that they changed the terms of the loan to a 38 year loan which was n't the length of original loan. A fact neither of us realized until recently when we tried to refinance the house at a lower rate. Our recent attempts ( XXXX XXXX ) to refinance the house by contacting various lending institutions has been met with the response that no lending institution " would touch a 38 yr. loan ''. We never had an interest in a 38 yr. loan. 

Wells Fargo, being a lending institution, can not help but know that when they coerced us into this loan that no one would agree to refinance the loan, and they knew that when they coerced us away from the Government H.A.R.P. program and to a Wells Fargo in house program when the loan was taken out. 

We 're finding out how bad this loan is from other financial institutions. Wells Fargo could have disclosed to us the pitfalls of this loan when we could have made an informed decision ( back then ). When Wells Fargo did this loan, they did n't make a full disclosure of what we are now finding out from other banks/lending institutions. Throughout the initial process various Wells Fargo officials were suggesting to us that " down the road '', we could refinance this loan, at a later date. 

We believe that Wells Fargo set us up to fail so they can foreclose on the property. We recently attempted ( XXXX XXXX ) to do a MODIFICATION with Wells Fargo and we were denied. We also inquired about REFINANCING and we were DENIED again. Based on their requirements, depending on the loan type, we would have to ( 1 ) come up with about {$15000.00} at the end of closing or ( 2 ) we need to have one years worth of payments in the bank ( {$3900.00} X XXXX = XXXX ) before they would consider refinancing. Since all of our accounts are in WFB, they know we dont have that amount of money. 

Please, we need HELP. When the loan was first modified, the payments were {$2700.00} per month, NOW, the payments are {$3900.00} per month. All we want are lower monthly payments and to be out of this predatory loan Wells Fargo got us into. We feel we have been taken advantage of in a major way. 

Thanks IF ANY DOCUMENTATION IS NEEDED, WE WILL PROVIDE IT AT YOUR REQUEST.

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 07/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with LENDING CLUB CORP (MD).
Issue: Problem when making payments

Complaint: I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.

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