milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (CD (Certificate of Deposit)) with MB FINANCIAL, INC. (IL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XX/XX/2017 I transferred an IRA account from MB financial to XXXX XXXX prior to its maturity. The amount of the IRA was {$16000.00} however MB financial only transferred {$15000.00}. They said the difference was due to an early withdrawal penalty. The account was only paying 0.399 % APR at the time and the Truth in Savings statement provided when I initially opened the account has no mention of early withdrawal fees. The interest accrued at that point was {$32.00}. The penalty they charged was against my principal and interest in the amount of {$560.00}. I argued that : I was over XXXX years old and should be able to withdraw at anytime and the the original Truth in Savings information I had no early withdrawal fees. They said that that had been changed since my original opening of the account. Additionally prior to transferring the account to XXXX XXXX I checked there website for early withdrawal fees and none were listed. I faxed an original of the Truth in Savings document to them but was ignored. I can't believe they can get away with this practice? 
Additionally I received an end of the year statement stating that they distributed a full {$16000.00} from my account. They did not. Not sure how they are rectifying there books but this is fraudulent I received only {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX  has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Credit decision / Underwriting

Complaint: At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home morage through Chase Morgage company. I lost my employment XX/XX/XXXX. I immedidately contacted chase who stated that they would allow me to do a payment deferment for XXXX months. When that time was up I was to contact them and they would see what options were available depending on my situation. I unforutnately was not employed at the end of the deferement period. I was told by chase that I needed to make XXXX payments to make my morage current and they would offer me a loan mondification. I explained that I did not have an income and that I would be using the remainder of my savings to make those three payments. They did send me modification paperwork. I called when I recieved those papers and was told that because I was not working that was all they could do, and so, I signed the paperwork and returned it. I did not receive any further communication from Chase until I was notified that they had applied with the State of Oregon to file a forclosure. I enlisted the help of the Oregon Forclosure Assistance program and was assigned a hoursing assistance councelor by the name of XXXX XXXX. XXXX helped me navigate the process of going through several meetings and meeting cancelations with Chase. I became employed XX/XX/XXXX. Chase offered me a modiciation in XXXX, based on an hourly pay that I am no longer receiving. There were several communications back and forth between Chase and the Oregon Medidiation Program attempting to clearify my pay which became salary when my XXXX day probation was up. I asked prior to our meeting how they calculated the payment as it is more than my original morage payment, and I am making nearly XXXX dollars less annually. I then posed the same question at our meeting at which time the Chase represenative told me that I either signed the modication proposal or I risked a higher payment and or even denial. I signed the modificaiton. I have made one payment, but, I am selling personal items to make the payment I am struggling. I was notified on XXXX XXXX that the State of Oregon did not provide Chase with a certificate allowing them to continue with the forclosure. I have also contacted XXXX XXXX at Chase asking for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I had a Wells Fargo Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. Wells Fargo accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, Wells Fargo reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct.

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.

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 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Debt collection (Auto) with NORTHLAND GROUP INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My deficiency debt from XXXX was assigned to a debt collection agency, Northland Group inc . The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with Northland Group initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this information with XXXX several times. National Credit Adjusters continues to list an account on my credit report in collections after I filed bankruptcy XX/XX/17 and this creditor had listed the account duplicate times on my report and continues to only update one account but not this account and it is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: my mortgage company stop taking my payments them filed foreclosure before the 6 month period Ohio says that mortgage banks have to wait for you to be behind

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (LA).
Issue: Managing the loan or lease

Complaint: Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.

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. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.

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 12/15/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This is a follow up complaint in addition to my first one that was sent on XX/XX/17 evening, after sending my first complaint, my wife was finally able to reach a representative of BBVA, after trying for almost two weeks ; however, after speaking with the BBVA rep, they told my wife that BBVA did not receive our XX/XX/XXXX payment, and that we were 43 days late, and they had turned our account over to collections. 

We paid our car note payment for the month of XX/XX/XXXX on time, and my wife sent a copy of the payment to the BBVA representative, and after the BBVA rep received our proof of payment that was made in XX/XX/XXXX, they refused to receive our payment for XX/XX/XXXX ; and stated they had to get the XX/XX/XXXX payment issue fixed first. 

This shows incompetence on BBVA part, because they somehow lost our payment that was sent on time in XX/XX/XXXX, and to make matters worse, they were showing us being 43 days late, which means they could have scheduled our vehicle to be repossessed without us knowing it ; all because of their incompetence. 

We dont understand why BBVA is being so difficult, and I cant reiterate enough, that it does not make any good sense as to why BBVA will not allow us to make our car note payment online anyway! 

BBVA have been so unprofessional, we have wondered if we were really making payments to the real Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: Santander Bank repossessed my 2009 XXXX XXXX after I was unable to make payments due to job lost. The vehicle was sold. Now they are trying to collect the deficiency balance which they are stating are XXXX different balance XXXX amount is {$9500.00} and the other amount that they want is {$5600.00}. How are they able to do this they have taken the car sold it and now they want more money from me and I am still in finanacial ruins. Please help me sort through this as all my calls have amounted with dealing with Santander and a collection agency that has threatened me with ruining my credit, they stated that they will get a judgment against me and take all my money and leave me with nothing. Santander has gone on my Credit Reports and has changed the amounts on all three Credit Bureau Agencies from owing {$0.00} to {$9500.00} to {$5400.00} to {$5600.00} all in the month of XXXX. Something is very wrong and I want this to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: APR or interest rate

Complaint: We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers.

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 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is stating wrong facts on report. 
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX but was not the actual borrower. Since this was a business debt with a different organization other than myself, XXXX XXXX ( hereafter called XXXX ), it never appeared on XXXX personal credit record. The business has a different tax ID thenPH, and this debt before purchasing by XXXX XXXX was never on XXXX credit report XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. XXXX XXXX , XXXX bought the debt. 
When previously submitting this report before against XXXX, they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all 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 06-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I applied for an American Express Gold Card and was accepted, the splash page of their website advertisement says nothing of the XXXX bonus points not being available if you 've had their gold card at any time in the past ( XX/XX/XXXX for me ). I 've also received a typed advertisement for their American Express Platinum Card and no where in this promotional advertisement ( that I can find ) does it state if you 've ever had their Platinum Card in the past ( XX/XX/XXXX for me ) are you not eligible for the XXXX bonus points that is part of the offer, and yet the American Express Customer Service representative, supervisor, and manager has explained that this would indeed be the case for their Platinum Card as well. 

I 've been duped and I do n't like it. This is false advertisement at best. This has caused me to acquire an unnecessary inquiry on my credit file. I quickly closed the Gold Card account that I was approved for, and will pay it in its entirety once I am billed. While the manager herself explained it 's one of the most challenging and difficult conversations to have with their customers and apologized, and also states this harms American Express ' brand, this does not make me whole. Removal of their inquiry and the account from my credit bureau is preferred, and {$250.00} or the functional equivalent. Conversations XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and manager call back XXXX XXXX, XXXX XXXX XXXX 15min 29sec.

Company response to consumer: Closed with explanation