milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2018 about Debt collection (Credit card debt) with Allied Interstate LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the FDCPA.

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 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Opening XXXX and Trans Union, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.

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 09-09-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by telephone by a company purporting to be attempting to collect a debt I owed. They would not give me any information about the debt and were demanding that I provide my date of birth and social security number. I am positive that do not have any debts that would be in collection. The phone number for the debt collector was XXXX XXXX XXXX XXXX. The person identified himself as being with Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: In XXXX 2015 my husband passed away and had an outstanding balance with AMEX and reward points. I was told in XXXX that if I sent them a copy of the death certificate and executor proof they would process the points for me. Called in XXXX, XXXX, and XXXX formal letter sent XXXX, form letters sent to me XXXX, XXXX XXXX,, XXXX called again and someone ( XXXX ) called back and told me I had to have a copy of the will, I faxed XXXX, called XXXX talked with XXXX to verify they had recd. Call yesterday telling me I needed an additional piece of info, either from an attorney or the court

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have tried to communication with our investor on the XXXX lien. XXXX lien Collectors have refused to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Convenience checks

Complaint: I used a convenience check I received in the mail in XX/XX/XXXX to transfer a balance to a Bank of America credit card I already had open. My credit line is $ XXXX and the check was for {$2700.00}. The Bank of America fraud dept called me on XX/XX/XXXX to verify I had signed and sent the check, which I had, and they said it would clear. The same day they denied payment on the check and put a letter in the mail to me, which I did not receive until XX/XX/XXXX, stating the check was rejected because the " signature did not match ''. I ALWAYS sign my signature the same way using my first initial, my full middle name, then my full last name and though I have never written a check to this account before I was not informed on the phone about the signature being an issue - they assured me " everything was fine ''. Subsequently after the checked bounced the other credit company charged me {$25.00} returned check fee. I suspect this also put a ding in my credit with them. I called Bank of America and requested they refund me the {$25.00} but they denied any wrong doing, despite there being a written record of them speaking to me and approving the check. They said I could resubmit the check within 10 days and they would honor it but would not compensate me for their negligence in the spirit of " protecting me against fraud ''. This horrible customer service cost me {$25.00} and a day missed at work due to a XXXX and they do n't seem mind the trouble it caused me at all.

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 12/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.

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 04-04-2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Again I do not have {$100000.00}. It sure looks like they are looking to forclose to. Now because this has dragged out so long and banks have all but distroyed my credit no other bank will touch me. My next plan is to sue all these banks and see how that comes out. This has been a nightmare for about 3 years, needless to say what it has done to both our health not knowing if we will have a home in the morning. I need some help please!!!! Four banks with the same results where is all the help all these politicians talk about. My name is XXXX, Conn. XXXX, XXXX It may be a nightmare reading this but living it was worse.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I got behind on my Navient private student loans and could not afford to make the payments. I tried to get a forbearance to become current on my loan and was told that I have exhausted all of my options. We then attempted to setup an income driven plan and we were told we make to much money to be eligible for this and we did not comply with the correct bank document for my husband. The loans went into default. I was called 5/6 a day and when it went to an account specialist, I was told that there was no way they could take payments. The counselor thru navient asked where I was when I was n't home which is absolutely none of his buisness. He wanted to know how I was going to buy XXXX presents. He insulted me as a person and how I could n't make payments. That i was dead wrong in my thinking and I needed to listen to the " grave '' consequences. All of which I tried to offer solutions with what little money I had left over in the month, but these payments were not an option. I finally hung up and got a manager even though they did not want to do this. She told me to ask family members to settle the account for XXXX! I do n't have family members that could do such a thing. I attempted to apply for the loans she suggested and was denied becuase my credit has been destroyed, she told me I could speak to my account manager with anything else though he was harrasing me and making me feel like I was a criminal though they wouldnt help me when I WANTED to come up with a solution..

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I used chat to explain the issue to Capitol One on XX/XX/XXXX (I have a log to attach). In short, I was unable to log into the credit card online account because the password that I had was no longer correct. BEFORE I contacted the company, I was able to reset the password and gain access. I was troubled because I was sure that neither me nor my wife changed the password. Moreover, when the password is changed, an email is sent that tells me that it was changed. I had not received such an email, which further raised my concerns. I contacted Capitol One through a 'chat-agent'. I requested the date of the last password change. I am NOT the primary account holder, that is my wife.They refused to tell me the date of the last password change (prior to the one I just did a day before-XX/XX/XXXX). I then explained to them why I still needed to know more. You see, I change the password the day before using: Her SS#, her DOB, and the Zip code. These items would be readily available to anyone who had the date from the XXXX  breach. I am concerned that ANYONE using this company's credit cards would now be at risk, as their security questions are too weak. They did assure me that they did not have a general failure in their system that would have lost/invalidated user passwords, so either: (1) The data field in their Database holding the password was corrupted; (2) Someone broke through their limited security to reset the password AND intercepted the email confirming the change (quite a trick);  (3) We inadvertently changed the password earlier in the month and just plain forgot. In that I use a password manager (1Password) even the 3rd possibility is unlikely. In any event, this is potentially an extremely important problem that can threaten the credit card accounts of any user of the Capital One scheme for resetting passwords.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. thank you

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 07/14/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called " XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with Duncan Solutions, lnc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CO).
Issue: Problems when you are unable to pay

Complaint: My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXXXXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX  XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

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 06/14/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: APR or interest rate

Complaint: I have business secured line of credit with Wells Fargo and had nothing but trouble with the card since XXXX. The representative assigned to my business loan account did not properly process my request and the APR increased from XXXX percent to XXXX percent. Since XXXX XXXX, I have called over 10 tens to get this issue resolved. I was verbally informed that my APR decreased ; however, I was never provided any paperwork. I called the executive office over 5 times to get paperwork resent. Also, contacted person from the complaint team and he did not respond to my calls in over two months. I called in to make payments and submit address change. I have not received any statement since XXXX XXXX advising me of my business account. Two weeks ago, I was informed that my APR was XXXX percent due to lack of payments. I called in and mailed payments to Wells Fargo. Well Fargo is engaging in predatory credit card practices. The Executive Office has failed to realize that my calls have gone answered and I am not receiving my statement. This is bank error as no representatives will contact me to let me know of my account status change since XXXX XXXX. My credit has been adversely affected and I have a predatory loan rate.

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 08-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Bankruptcy

Complaint: paid bill before I filed Banrupty is should a postive not a negative report want it removed

Company response to consumer: Closed with explanation