milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX  to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.

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 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted at my workplace by XXXX XXXX Attorney Scott Caruthers on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from XXXX, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called XXXX and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Credit decision / Underwriting

Complaint: I filed a chapter XXXX bankruptcy proceeding XX/XX/XXXX, to include my 1st and 2nd mortgages with XXXX XXXX XXXX. My filing was discharge XX/XX/XXXX. XXXX XXXX XXXX then sold my loan to Nationstar Mortgage, who then began reporting 120 day late payments on my credit report from XX/XX/XXXX through XX/XX/XXXX illegally as I was no longer responsible for this debt. I have filed disputes with the credit reporting agency, I 've contacted Nationstar directly. Nationstar acknowledged my requests to remove the 120 day late reports from XX/XX/XXXX to XX/XX/XXXX, however denied my requests by stating that " they could continue to do this even after my bankruptcy was discharged for this debt ''. I have now been denied credit from this illegal reporting at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: In XXXX Bank of America suddenly locked me out of my online account until I typed in my full social security number and full credit card number. That's a huge identity theft concern. I kept trying for a couple weeks and finally called them. After 45 minutes waiting for a live person they told me that they refuse to change that policy, and also I had a late fee for making ( I thought ) XXXX 's payment in early XXXX before they locked me out of my online account, but it was too early in XXXX to count towards XXXX. That part is my fault, I'm not blaming them for that. I then paid the full balance by phone and verified a few days later that I had a zero balance. Last week I decided to close the card completely which I successfully did and confirmed by phone with a live person that the card is closed and I have a XXXX balance. Today I got a bill for {$1.00} on the closed account. Thank goodness they actually sent that email or I would have no idea I was still being charged. I tried unsuccessfully to get through to a live person and gave up and paid the {$1.00} by phone. 

I am hoping that is simply a finance charge from XXXX 's activity. If they start trying to charge me a finance charge on a finance charge I am going to have a problem with it.

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 05/22/2017 about Debt collection (Credit card debt) with Navient Solutions, LLC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is  reporting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have (    XXXX   ) late pays on  XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.

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 AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is the complaint I had lodged on XXXX/XXXX/XXXX : I spent {$25000.00} using my American Express XXXX XXXX card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my XXXX XXXX account and reported to XXXX the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my XXXX XXXX account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. XXXX asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. 
American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side. 
The company responded on XXXX/XXXX/XXXX stating the miles has been credited to my XXXX account in XXXX, XXXX, and XXXX respectively. However, the miles do n't reflect in my XXXX account. Nor does it reflect the dollars spent on the American Express XXXX XXXX XXXX on XXXX side. As I have stated earlier, there is a system problem in transmitting the information to XXXX. The earnings show on my XXXX statement. But, it does n't reflect in my XXXX account. I have talked to XXXX and it has n't received these transactions from XXXX. The problem is XXXX ca n't handle issues and it is feeding misinformation to the consumers. I have attached skymiles statement from XXXX XXXX to XXXX XXXX, XXXX for record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Pawn loan) with WELLS FARGO & COMPANY (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I missed a phone call by a week and they garnished my entire paycheck. Wells fargo personal credit line. the XXXX XXXX guy is unwilling to work with me and treats me as if I am ignorant. They will not transfer my account to anyone else and say that he owns my account. He has no empathy. I am a single parent that is a sole provider for my family. I take care of my XXXX mother. I do not get government assistance nor do i get child support even though they owe over thousands of dollars. I am not asking for debt forgiveness, i was paying this based on the agreement. My initial conversation with XXXX was to setup a payment every 2 months and that payment may go up by XXXX dollars each time. I missed the call to setup this month, business of school starting, but I thought I was good - i just paid XXXX last month and XXXX knows my situation as he LIED and stated he knew exactly where I was at in life dealing with this because he experienced the same thing. LIES. That caused XXXX to submit me to charge off department and they removed my entire paycheck of over XXXX dollars. Unethical. My lights are going to be turned off. My phone is too. Not to mention the remaining portion of what I had left to take my kids to get doctor followups and remaining school items are all a scratch. My account is in negative now. Spoke to XXXX and he stated he will not reverse this and proceeded to ask me how I was going to pay the remaining balance of XXXX to which i handed the phone to the banker and had to leave before i broke down. I called the manager he reports to, XXXX XXXX and left messages for a return call. I called her back to back for a hour to no avail and no return call. I was working with you. Now I am not. I am also closing my account with wells fargo after many well vested XXXX years. I can not understand how you are not willing to work with me when i paid for the last 4 months on time. it was up in the air because i took more than a week to return a call on a payment that would have been due in the middle of the month. i have no idea what i am going to do. I am trying to grow., ..get off of government assistance and build credit. at this cost makes me want to go backwards in life. where is the love and where are these credit practices you say you implement on your website?

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 07/21/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (AZ).
Issue: Taking out the loan or lease

Complaint: This was a installment loan from XXXX { the XXXX XXXX XXXX XXXX XXXX } who days later transfered to Cash Call and than Month or two later transfered to XXXX services and after about a year transfered back to Cash Call..all through XXXX I have found out this is preditor loan with super high interest, illegal in Arizona and several other states in the US who are suing these companies ... I understand you { CFPB } also have a lawsuit against them. They have been sending me letters requesting different amounts to pay this loan off.This was an unfair, deceptive and abusive act and practice.Under statutes in Arizona any obligation to pay such loan is rendered void or otherwise nullified in whole or in part by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit report.

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 01/23/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NM).
Issue: Customer service / Customer relations

Complaint: This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My FHA mortgage lender was Bank of America, which was one of the most challenging financial arrangements I 've ever entered in to. As of XXXX XXXX, 2015 I was notified XXXX XXXX Mortgage would be my new servicer. On XXXX XXXX, 2015 I paid my mortgage via the telephone. I spoke with XXXX at Bank of America and authorized a payment of {$2200.00} and received a confirmation number of # XXXX. On Friday XXXX XXXX, 2015 I checked my checking account and noticed that Bank of America with drew {$2400.00}, {$140.00} more then my established payment of {$2200.00}. On Monday XXXX XXXX, 2015, I contacted Bank of America and spoke to XXXX, who confirmed that Bank of America did indeed take to much money. She insisted however that they could not issue a credit since they are no longer the servicer even though it was there mistake. I then contacted XXXX XXXX Mortgage who told me my account would n't be active for 8 more days and they could n't help me. I proceeded to call Bank of America back who continued to insist it is n't there problem. Once again I contacted XXXX XXXX and spoke to XXXX who indicated that she would send an email the " back office '' and explain that I should be given a refund. I insisted I be notified as to when the refund will be mailed and was told not to worry about it, it will go fast once their legal department contacts the court to get approval???? This is unbelievable and is another inappropriate banking excursion in a long string of fraudulent activities carried out unchecked by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation