milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX ,    2017  I was mislead into paying a past debt for  XXXX   XXXX   XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at  XXXX   XXXX  company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both   companies several times and nothing has been done.

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 08/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (HI).
Issue: Using a debit or ATM card

Complaint: bank fees for insufficient funds could not transfer money from Savings to checking to cover debits because the wells fargo app was not working. called to transfer money, was told by wells fargo that they could not do that over the phone and to go to the ATM. ATM was not working and i was not able to transfer money in 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 monetary relief
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Problems caused by my funds being low

Complaint: My name is XXXX XXXX and I used to have an account with Citizens Bank in XXXX CT. 
I had an overage back in 2012 I believe and this bank charged me like XXXX dollars a day ; in response I closed the account but they kept adding charges for over a month. Citizens Bank trumped up charges for under a {$100.00} to a {$290.00} debt which is just bank charges. I would have resolved the balance but they were more interested in getting as much as they can out of me. The bank 's behavior was predatory and I would like to have this account removed from the National banking XXXX because it is preventing me from opening an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
<P/>
Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
<P/>
I want the CFPB to help me get my excess payment applied to my desired loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I had a home mortgage with Bank of America ( {$300000.00} ). In XX/XX/XXXX, I filed for bankruptcy. At this time, BOA sold this mortgage to XXXX. I had this mortgage re-certified with XXXX during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or XXXX. In XXXX of XXXX, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of {$330000.00}? This information is reflected on my XXXX credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe BOA filed my old mortgage, with ( fraud ) the government and reported my mortgage to the Feds to be reimbursed under the banking " bailout '' policies at the time. I need to have this discrepancy removed from my credit file and BOA needs to be investigated for fraud.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for loan to buying house as residential in california on XXXX/XXXX/2014 at BANK OF AMERICA, after receiving all documents that they were requested, i receive letter from them that loan was denied without any reason.I requested many times and asked them please let me know the reason of denied loan ( on XXXX/XXXX/2014 ), unfortunately nobody respond and it caused hurt feeling to me and economical damages to me.there is a lot of documents can prove 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 01/15/2016 about Credit card () with BANK OF THE WEST (WY).
Issue: Other

Complaint: I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Problems caused by my funds being low

Complaint: Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with Penn Credit Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Payday loan) with Chaplain Financial Services LLC (ND).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On  X/XX/17    at  XXXX  CST I received a call from (  XXXX  )  XXXX , a number which originated in  XXXX   XXXX  , FL  according t o caller ID. Upon answering, I heard a message saying the call was from " Chaplain Financial Services '', and this message was intended solely for Me, and if I was the named party, I should press  1.  I did as instructed and was greeted by a female who identified herself as "  XXXX   XXXX  ''  ( o r  XXXX   ).   XXXX   XXXX  informed me she was calling from " Chaplain Associates '' and that her client was in the process of filing "  XXXX  allegations and  XXXX  complaint '' against me with my  local county c ourthouse, and that they were just calling to get a statement from me. She then asked " so, you did n't pay back the loan, right? Why did n't you pay it back? Did you lose your job? '' - It should be noted that at no point did  XXXX   XXXX  inform me that this was an attempt to collect a debt, and any information gathered would be used for that purpose- I informed  XXXX   XXXX  that I did not wish to make any statement on my own, but rather if they needed a statement that I would allow my attorney to make a statement on my behalf. She asked me to repeat what I had said, so I did, and then she said " well we just need a statement in order for these  XXXX  allegations and  XXXX  complaint to be filed against you with your local court ''. I asked  XXXX   XXXX  what she meant by "  XXXX  allegations and a complaint '' and she said " it means our client is attempting to have you charged with Theft by Taking and Passing Bad Checks. I asked  XXXX   XXXX  if she was familiar with the Fair Debt Collections Practices Act, specifically Subsec tion 807 whic h says The following conduct is a violation of this section  : ( 4 ) th e representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person ... as well a s ( 5 ) :  The threat to take any action that can not legally be taken or that is not intended to be taken, and that an individual can not be charged with " Theft by Taking '' for the alleged nonpayment of a debt. She replied " no one is saying you 'll be arrested, just that we 're trying to have you charged. But you seem really on point with all this, so we 'll go ahead and move forward with filing this with you r local county reco rder, and you better get legal representation ''. I replied " well thank you for the legal advice, you seem to be an attorney '' at which time she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is still reporting a loan I have from the XXXX with 16 missed payments. I never had a single missed payment.

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 03/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was charged over {$5000.00} which was fraudulent. The police were involved, a police report was made, and spoke to many different individuals about the case. It took over 3 months for the charges to be considered fraudulent. I continued to receive bills in the mail. Continued to receive phone calls about making payments to the credit card when it was indeed found fraudulent. It was extremely difficult to get a hold of someone who could help. This is continuing to go on and is not yet settled. It was a XXXX XXXX XXXX XXXX XXXX XXXX. It has been a nightmare trying to figure everything out when this should have been taken care of when it occurred back in XXXX. I followed all of the correct steps of calling the police, cancelling the cards, and sending in numerous documents stating which charges were fraud. The individual that stole the card was even caught on camera at several locations using the 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 04/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON 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 non-monetary relief