milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: I took advantage of a 0.00 % interest rate offer by my Bank of America credit card. When I did so, I in effect was waving having my 30 day grace period for interest to be charged on new purchases. I always pay my balances in full to avoid interest rate fees. I can no longer do that with Bank of America because I know have a 0.00 % promo in effect. What they do now is charge me interest based on the average daily balance, so no matter what I do I will be charged interest on new purchases. This was a classic bait and switch. It may have neen disclosed somewhere in small print on some XXXX page disclosure, but I was never made aware of this. XXXX XXXX and XXXX do not do this tactic when utilizing their promo offers. I will no longer use this Bank of America card for any purchases after today. I will still be subject to the Avegare Daily Balance Interest on purchases to date. I want a full refund for these interest fees and I want this practice stopped. How many people and fees have they collected over the years pulling this bait and switch. This is criminal in my book. I had to wait on hold for close to 30 minutes to finally get an explanation from Bank of America customer service. I have had this card since 1994 so I will not close the account, but I will use it at the bare minimum going forward from this day forward. I have no room for criminality.

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 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. 
On Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. 
I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's 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 06-02-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016, I received a phone call from someone claiming to be calling from Wells Fargo 's fraud department. After being unable to identify me by phone, the associate told me to immediately go to the nearest Wells Fargo branch. Unfortunately for me, the closest branch was the XXXX on XXXX in XXXX, California. 

After waiting in line for over XXXX minutes, when I finally spoke with a teller, I was told that I needed to speak with a personal banker, and to have a seat. After waiting for another XXXX minutes, I was approached by XXXX. 

XXXX was almost immediately hostile and aggressive. She never asked how I was doing and began in on a XXXX line of questioning : did I have an account with Wells Fargo, why was I here, who said I should come into that branch, did the fraud department tell me why I needed to come in? The last question is seemingly the most absurd as the fraud person I spoke with on the phone earlier would not tell me why I needed to come to a branch, and now the banker at the branch was asking me why the fraud department had asked me to come to the branch. 

After answering all her questions, XXXX was unable to figure out the reason why I was asked to immediately go to the nearest branch. Eventually, the service XXXX at the branch ( XXXX ) was brought in to figure out what was going. 

By that point, I was realizing why people really hate banks, and why this particular Wells Fargo branch is known as the " white '' Wells Fargo. 

After about an hour, I decided that Wells Fargo was not an institution I 'd like to continue to bank with. I then asked XXXX to close my account. As I was waiting for XXXX to close my account, XXXX of the branch employees accused me of recording, and then had the security guard escort me out of the branch. Ridiculous. 

I 'm unsure what state this is account is in as I was asked to leave the branch before being given my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I  want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXXXXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Premier Student Loan Center (AZ).
Issue: Fraud or scam

Complaint: I received a phone call on Monday, XXXX XXXX, 2017 at  around XXXX from a company called Premier student loan center claiming that they worked to help people deal with their student debt in which they call a forgiveness loan. They asked me if I owed more than XXXX dollars so I said yes. They asked for my name, address and name of the company where I am currently paying my student loans. They were able to pull up my information and said that I qualified for the maximum amount which would lower it from XXXX to XXXX. All I had to do was pay a fee of XXXX for 5 months for their services in which after I made the five payments I would only be paying XXXX dollars a month toward my loans. They asked me to provide my social security and card number for these payments. I was then charged for the first month which was the XXXX dollars. On Wednesday XXXX XXXX, I called the company where I have my student loans and told them about the call I received from Premier student loan center. Once I told them about the situation they told me that it was all a scam all loan forgiveness should be done within the same company free of charge and that they had not been contacted from any company by that name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Credit reporting () with STERLING INFOSYSTEMS INC (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Auto debt) with Diverse Funding Associates LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Back in 2006 I purchased a home for {$150000.00}. XXXX lending was suppose to close me and could not at closing because my credit score dropped. I was in a panic because I gave up my apartment and have XXXX children so XXXX Mortgage which was the title company that was there for closing said they could close me. I got hit with a {$560.00} a month PMI leaving my mortgage payment to be approx. {$1900.00} a month on an income of only {$30000.00} a year. XXXX then purchased the account from XXXX and I paid on time for a year and a half and had the PMI dropped. At that point I was so far behind because of the struggle with the high mortgage payment that I applied for a Mortgage Modification. In the interim XXXX gave me a payment to pay of {$820.00} a month which included principal, escrow and a reduced interest rate. I paid this on time for close to 2 years and then my modification went through. The problem though was that they gave me a term that I had no choice to take because I could not sell the house due to property values going down below what I owed. They added {$31000.00} to the back of my loan for capitalized fees and interest. They then sold the mortgage to Nationstar. At this point I still owe the same amount that I owed when purchasing the property {$150000.00} even though the property is only worth {$110000.00}. Please assist if you can with having this {$31000.00} removed or reduced due to the beginning of the mortgage being a predatory lending case. Sincerely. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This is the second time that Nationstar Mortgage has charged me for an Escrow Advance and my loan is not escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account. 
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment. 
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Late fee

Complaint: Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TransUnion 's website deceptively offers consumers a report, presumed to be free, without clearly indicating that they are charging fees and signing the consumer up for a subscription service. The service is charged without asking the user for confirmation. The website intentionally obscures the pages that allow the user to cancel their account. Support staff is only available via an XXXX during certain hours, making it exceedingly difficult for overseas Americans to communicate with the company and cancel their accounts and charges. No email or chat support is provided. 

I am currently seeking confirmation of cancellation, after numerous reports from other consumers have established a pattern of intentional failure to cancel on TU 's part, combined with an intentionally obstinate call center, designed to make it difficult to leave the subscription program. I am also seeking to have my credit union block any charges if TU refuses. If TU fails to completely cancel my account and reverse any charges, I intend to contact the Attorney General to seek action against these deceptive trade practices, and may additionally file for recovery in small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 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 have called Transunion and the representative told me that they could not help me. 
The undermentioned inquiries are either duplicate records or unauthorized. 

XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE XXXX XXXX 2017 XXXX ( DUPLICATE ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE )

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
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: I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company 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 08-09-2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Late fee

Complaint: I scheduled an automatic payment with Paypal Credit to come out of my bank account on the due date, and I am being charged a late fee.

Company response to consumer: Closed with monetary relief