milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I currently have a installment loan were I borrowed {$2900.00} and am being chared total of {$7000.00} and they are deducting every two weeks directly from my account {$290.00} it is becoming heavy and can not afford for this to continue so I have tried reaching out to them and emailed and called them to see if we can break it down to one payment a month for that amount and they refused. I really want to keep my end of the deal and pay them for allowing to borrow the money even though I am paying back more than what I borrowed. But I am almost being forced to stop paying them and file for Bankruptcy I cant afford it. They are not budging either to compromise

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from my credit file.

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 01/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 at about XXXX XXXX, I entered WELLS FARGO BANK to withdraw {$3000.00}. I provide both my license and bank debit card. I was asked not to swipe my card instead for me to file out a withdraw slip for the transaction. After doing so, the teller took all XXXX ID credential in a scrutinizing manner for verification with my withdrawal. The teller took an unusual 30 minutes before responding to me that my signature does not match. I then exited the window to seek assistance from the Manager. at the presence of the manager, I filled out another withdrawal form. The manager went to the window computer and spent an additional 30 minutes scrutinizing my account. When I asked her what is going on, The manager came to the window and replied, " Your signature is not matching, and that it is unusual for a XXXX person to come into this branch to withdraw a large amount of money ''. 
Seeing that I was being discriminated against, I called the local police department for assistance. During my hour wait for the police, I was excluded from doing any transaction. When the officers arrived, I was lock inside the bank and waiting. XXXX officers investigated the matter by reviewing my ID, bank card, other identifications I gave to the bank, including my withdraw slip. They spoke to the Teller and Manager and notice their discrimative behavior, and ordered them to re open the bank computers and give me my requested money. 
The purpose of that withdrawal was to secure a plane flight back to XXXX Ma to attend a family member funeral, and to conduct XXXX on my XXXX. I miss my flight and resort to driving XXXX miles back to Massachusetts. I miss the funeral, and my doctor could not preform XXXX because I 'd placed to much stress on XXXX from driving.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I received an invitation from Bank of America to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Bank of America Business credit card. I did go ahead and applied for the Bank of American XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from bank of America to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.

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 10-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Shopping for a loan or lease

Complaint: I have a XXXX hours week job, that pays near {$850.00} every XXXX weeks period. This job is regular. At work at XXXX location. With a car, I have the potential of doubling the number of hours and thus the income. My only expenses are a Home Owners Association fee of {$320.00} per month. Oh, I do have an XXXX XXXX for food. I am not looking for a luxury car, but XXXX wheels for the XXXX job/additional XXXX hours a week. This is the answer I get : " Thank you for your interest in a pre-qualified offer from Capital One Auto Finance. After reviewing your information, we 're unable to provide you with a pre-qualified offer. We will send you a letter in the next 7-10 business days with more information regarding this decision. 
Remember there 's no risk to your credit score when checking your eligibility for an XXXX pre-qualification offer. 
For your privacy, our customer service associates are unable to discuss reasons for our decision by phone. " Then, at other end of the XXXX phone number, I get to speak to an obviously XXXX girl, paid as miserably, as I am ( paid ). 
Does anyone have a badge and a XXXX, for these XXXX, and not innocent Americans of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Federal student loan) with Keith D. Weiner & Associates Co., L.P.A. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (NM).
Issue: Managing the loan or lease

Complaint: Ace Cash Express continually takes out money before my payday. Getting very hard to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (IL).
Issue: Loan payment wasn't credited to your account

Complaint: Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: My CapitalOne 360 savings account was hacked. It took 3 calls to the security people before they answered. My account was subsequently locked. A week later I still do not have access to my funds. Ive called half a dozen times and waited literally hours on hold without reaching a representative. Their voicemail box option is full. They are holding my funds hostage and I can not access them. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my car off on XXXX XXXX XXXX with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 01-04-2017 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/XXXX, i opened a complaint Case number : XXXX in this i showed that stanislaus credit control had deleted and reinserted XXXX collections without sending the proper reinsertion notice within XXXX days ( which is required by law ). the response i recieved on Case number : XXXX was that they were going to look into this. It clearly has been more than XXXX days, and yet XXXX of the claims is still illegally on my credit reports for {$220.00}. stanislaus credit control has broken the law by deleting and reinserting these accounts mutliple times ( i have proof of this ) not sending a reinsertion letter. i recieved a copy of XXXX bills from this company that did not validate any debt as it was a copy of XXXX bills .... both without signatures and broke hippa as the line that shows that it was ok toreleased info to process the claim was blank. i will be seeking legal remedies if this is not resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Every month XXXX is supposed too update balance and payment history. Citicards fail to update XX/XX/XXXX balance to all XXXX XXXX reporting agency. XXXX, XXXX and XXXX. I Called Citicards and ask for the supervisor who told me there is nothing she can do about it. There is no way for her to get in touch with the credit report department to find out why they did not send the month of the XXXX statement to credit reporting agency. It is Now XXXX and there still is no update for XX/XX/XXXX. It is still showing XX/XX/XXXX statement. Now I am going to be missing history for the month of XX/XX/XXXX for this account XXXX. The balance was supposed to be {$500.00} for the month is XX/XX/XXXX and it never updated and now it the month of XX/XX/XXXX. I attached each Credit reporting agency report to show proof that was no update for the month of XX/XX/XXXX And I sent XX/XX/XXXX billing Statement I want it updated right now.

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 07-01-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They will not stop calling. They call on ave XXXX times daily. Since XXXX XXXX I have record over XXXX attempted calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax hack. My identity info was stolen and they knew about it. Plaintext files are you kidding

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects that but the other still shows as not being paid. I also paid off the receivable account for {$290.00} in XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX unauthorized and should be removed immediately.

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