milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Billing disputes

Complaint: Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016. 
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells fargo still continues to charge me MIP, when my over XXXX % in equity Mortgage insurance premium ( MIP ) Payment amount {$260.00} Premium amount {$3100.00} Frequency every 12 months Next due date XX/XX/2017

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 04/18/2017 about Student loan (Federal student loan servicing) with Texas Guaranteed (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As everyone knows at this point, last week XXXX had a data breech of 143 million Americans ' Social Security numbers. Included in that leek was the  numbers of my family members. I have placed Fraud Alerts for each number, however these alerts are only temporary ( 90 days ) and are simply alerts - they do not prevent would be criminals from stealing my or a member of my family 's identity. 

Each of the reporting companies are currently charging $ XXXX {$15.00} per social security number to freeze and unfreeze access to that number 's credit history. This amounts to $ XXXX {$45.00} per person in my household. For the rest of my life my identity has the potential to be compromised and the credit reporting agencies - that any competent court will find is guilty of gross negligence - are attempting to extort money out of their mistake? 

This abuse is not simply isolated to credit freezes. In an attempt to capitalize on XXXX 's negligence, XXXX has reorganized their website yesterday ( XXXX/XXXX/17 ) to hide their credit freeze page behind a paid credit monitoring tool. XXXX, in a clumsy attempt to reduce potential liability, tried deceiving Americans they harmed by offering " free '' credit monitoring for one year - all you need to do is agree to an arbitration clause that was hidden in the Terms and Conditions. Without doubt some of those " one-year free '' accounts will lapse into the next year, ultimately increasing revenue foXXXX XXXX, the same company that compromised 143 million American 's identity. 

No member of the American public ever gave consent for XXXX, Experian, or XXXX to be custodians of our social security numbers. For us to be expected to pay for their gross negligence is not simply irresponsible, it contradicts the foundations of accountability and representation our great country is built on. 

You say in the instructions of this form to not include personal information such as my name, account numbers, address, and Social Security number. Yet, due to this breech, any criminal can find this information for a small fee. My personal information will in time become part of the public domain. Both the Consumer Financial Protection Bureau and Congress have a duty to act on behalf of the American people.
Until a solution can be agreed on in Congress, I urge the Consumer Financial Protection Bureau to take action in compelling the three major credit reporting agencies to 1 ) make credit freezes free for those impacted by the data breach and 2 ) make the credit freeze option easy to find.

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 02/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MA).
Issue: Trouble during payment process

Complaint: I am questioning if there is an error in my new escrow calculation. New escrow = $ XXXX/mo., increase of {$220.00} per month over last mortgage year. Current insurances, taxes, and PMI, plus allowed 2 month cushion = $ XXXX/mo. if calculated based upon the actual bills due ( refer to attachments provided ). Bank is saying they base tax estimate on formula using XX/XX/XXXXdata instead of actual bill for XX/XX/XXXX. Bank also did not pay insurance on time this year, causing it to lapse - this is the second time they have had a problem administering the escrow account effectively. I am wondering if they are trying to recoup a penalty or late payment by sneaking it into new calculation. I am living check to check at this time and I can not afford to put a surplus in my escrow and wait to get it back a year from now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Struggling to pay mortgage

Complaint: My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to  make it right by giving me a forebearance and  XXXX  told me if I needed more time let her know, it had to be g iven 4- months  at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months,  still trying to get my check corrected with  XXXX  at this moment. This is how I got behind. Reaching out to  5/3  for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Advertising and marketing

Complaint: My Bank of America Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : " The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Bank of America passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : " Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.

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 05-03-2016 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I transferred XXXX shares of XXXX ( XXXX ) out of my Morgan Stanley account into my XXXX brokerage account. All the shares were deposited, however the cost basis was never updated via XXXX. I have called and contacted both XXXX and Morgan Stanley since then multiple times, but I still do not have the cost basis. Currently I have a ticket open with Morgan Stanley ( # XXXX, opened on XXXX XXXX, XXXX ) but no one has followed up or resolved my issue. I ca n't sell these shares without proper cost basis as it will have tax implications. Please help resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: There is very little information of the interest rate benefits of scheduling auto payments on my servicer 's website ( ACS-education.com ). Specifically, there is no information on it in the pages having to do with auto-payments ( ACS XXXX XXXX ). I have been making regular payments now for almost two years. I reviewed the ACS XXXX XXXX webpage several times throughout the time that I 've been paying back this loan because other servicers I use have made this information clear. Today, I finally found the following sentence in the Info Center section of the website : " Please note that many lenders offer interest rate reductions for accounts that are enrolled in an automatic deduction program. Just send an e-mail to us and we will notify you of your eligibility. '' I believe this information was intentionally hidden for the sake of profit. I believe this information would have saved me a decent amount of money if it were more easily accessible. I emailed them today, and am looking forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Title loan) with MARINER FINANCE, LLC (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.

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 02/17/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item. During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week.

I asked for this information, which is my right, yet they have failed to provide me with any of the items.

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe. 
2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service. 

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.

Company response to consumer: Closed with explanation