milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My wallet was stolen on XX/XX/XXXX I immediately contacted the police to file a police report. Due to me loosing my card the crook already used card first unauthorized transaction at XXXX for {$190.00} and {$290.00}. I contacted Netspend to dispute charges. They said the charge to card was pending to call back next day. So I called back the next day on XX/XX/XXXX then they started transaction dispute. They didn't give provisional credit like they say the would. Told me I have to wait after investigation completed and it will be completed on XX/XX/XXXX .. Then XX/XX/XXXX came they closed it without getting my money back. I sent them everything including video of the crook from the store picking up wallet. Police report and all I talked with merchant from XXXX he said no one from Netspend contacted them about this issue. After hearing the closed my case with no finding I contacted Netspend and ask for supervisor got denied to talk to supervisor. I asked could I speak to someone who works with dispute and a customer service representative said it's no one you could speak to. Then searched online for a corporate number it was disconnected no number to reach out to. Another XXXX XXXX XXXX sent a email saying my Money of {$280.00} was deposited back on XX/XX/XXXX have yet to receive that money back as well.

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 02/21/2018 about Checking or savings account (Checking account) with BARCLAYS BANK DELAWARE (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.

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 10/17/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (MA).
Issue: Managing the loan or lease

Complaint: Lending club charges if you try and use a paper check. They only allow ach for free. 

after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation please help me just the them removed.the company is transunion and 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 explanation
Consumer complaint received 07/13/2017 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: Privacy issues

Complaint: I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (CA).
Issue: Deposits and withdrawals

Complaint: My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with ESCALLATE, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.

Company response to consumer: Closed
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
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 a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX ,  XXXX , and Experian.   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately.  XXXX  removed the inaccuracies a week later but did not increase my credit score appropriat ely. Experian wo uld not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for Experian to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 <P/>  I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 <P/> I w ould like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against  XXXX  and Experian refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.

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 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, Chrysler Capital hired XXXX to repossess my XXXX Chrysler 300C, of which I had no balance to pay on and Chrysler Capital had no right to a lien on the vehicle. In XXXX XXXX, I filed chapter XXXX bankruptcy, Chrysler Capital did n't file a reaffirmation agreement, even after me calling XXXX times for them to send it to me to sign and file. In XXXX XXXX, the Bankruptcy was XXXX, which put me in a position of not being liable for any balance owed. Because Chrysler Capital did n't file the reaffirmation agreement before the bankruptcy XXXX. In XXXX XXXX I sent Chrysler Capital a restrictive endorsement in exchange for the Title to the vehicle. Chrysler Capital agreed to relinquish the right to the lien on the vehicle and send me the Title by cashing the check. So, XXXX. I am not responsible for any remaining balance on the vehicle. XXXX. Chrysler Capital accepted the money for exchange for the lien and Title of the vehicle. XXXX. Chrysler Capital hired XXXX XXXX to take my vehicle illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 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: I am a victim of identity theft. This inquiry was not authorized by me. I have attached documentation to validate my claim.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Billing disputes

Complaint: I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.

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 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with High Point Asset Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been receiving calls from ( XXXX ) XXXX trying to collect a debt that I do not owe. I 've blocked the call, but the caller keeps leaving messages. These messages are recordings urging me to call the company back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint specifically involves Equifax, but applies to all credit reporting agencies.
On XX/XX/XXXX, one of the largest data breaches occurred when Equifax was hacked and over 150 million people 's SSNs, DOBs, addresses, etc were stolen. Notification of this breach was not handled in a timely manner. The solution provided by the company involves free credit monitoring for a year based on the consensus that I waive my right to sue or participate in a class action lawsuit. This is theft, in addition to the hacking. This solution does not suffice. This company mishandled mine and millions of other 's information incorrectly and should not be allowed to be benefit from their carelessness under the guise of " saving money '' by cutting corners regarding proper security measures.
All credit reporting agencies should step up security measures by including at least a two-step verification process. Additionally, credit report monitoring should be a free, standard service since the public is subjected, as a standard, to being forced into having our information in the hands of these credit reporting agencies without permission, without a business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I saw a hard inquiry on my equifax from XXXX XXXX XXXX XXXX XXXX without my Authorization , XXXX XXXX XXXX is denying that they have not done any hard check, Equifax recognizes the hard pull

Company response to consumer: Closed with explanation