milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX

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 Upgrade, Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my XXXX report from XXXX on XXXX XXXX XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with Experian Information Solutions Inc. (NY).
Issue: Customer service / Customer relations

Complaint: Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.

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 12-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX 2017 around XXXX pm. I went to my local Wells Fargo Branch located in XXXX Florida. I took {$200.00} in twenty dollar bills inside with me to make change ( ones and fives ) for my business. I used my debit card to access my account to show I was a customer to avoid non customer fees For the service of making change. I hand the teller my money, she makes the change and counts it back to me. She asked if she can help with anything else. I say no and walk away. About 30 minutes later my husband checks our account online and see {$600.00} missing. He then goes to the bank to see what happen. The bank manager counts the draw and reviews the security video. He then tells my husband the teller did not close my account screen and the man behind me withdraw {$600.00}. The teller never asked for his ID or checked to see if he was on my account. I have been in contacted with the local branch as well as the corporate office. They will not let us view the camera footage and are not crediting the {$600.00} back to my business account.

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 05-04-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with JPMORGAN CHASE & CO. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Struggling to pay mortgage

Complaint: I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''

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 12-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My student loan complaint is directed at FedLoan Serving 's incompetent and corrupt practices of repeatedly delaying/ignoring requests for loan forbearance processing, which has resulted in wage garnishment of my next paycheck. 

My complaint is that FedLoan does not have the right to such a collection, neither directly nor via a collection agency, since the forbearance should be granted and the improper collection action is due FedLoan 's negligence, incompetence and grossly irresponsible and corrupt practices. 

I assert that I am entitled to the forbearance I have requested based on the following : 1. I qualify for loan forbearance, as I did the previous 2 years at the same wage. 
2. I have been granted forbearance by XXXX for the loans which they are servicing, based on my current income. 
3. I have complied with timely submittal of my forbearance request and have sent repeated subsequent requests with supporting documentation and correspondence. 

I acknowledge that I borrowed money that I am obligated to repay. 
I have made regular payments on previous student loans when I had adequate income to do so. However, I am currently working at the wage I made 20 years ago, a net income of $ XXXX, and do not have means to pay student loans at this time. 

FedLoan has repeatedly taken 6 months or longer to process my forbearance requests, but in 2016 they have taken longer than 12 months to acknowledge and process my requests, which has resulted in a wage garnishment order. 

I received my FIRST and FINAL Notice of Garnishment on XX/XX/2016, dated XX/XX/2016. The notice states, " you may exercise the right to contest this actions '' ... but " because you have failed to comply with the terms of the previous notice, your exercise of this right will not result in the delay of wage garnishment ''. 

My current bi-weekly net income = {$750.00} ; the wage garnishment bi-weekly amount = {$130.00}, leaving me a bi-weekly balance of {$610.00} ( $ XXXX ) for bills and living expenses. The result of FedLoan 's incompetence has put me in dire financial circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi, I am filling this dispute, Because of Bankruptcy record on my credit report its too old and pass the time limit and it should be deleted from my credit report, Also when i pull my credit report from indipended sourse, the bankruptcy will not show on my credit and somtime it will, butXXXX it will show on thier oficial web site I have contact the all XXXX bureau Company only XXXX '' removed the disputed item rest of XXXX company ( Equifax & XXXX ) has not comply with my request So, I am requesting CFPB please re investigate this matter and have the " XXXX & EQUIFAX deleted the incorrect information thanks XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Billing disputes

Complaint: So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with Enova International, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with CORELOGIC INC (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit history request- never authorized, company not recognized

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 02-05-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have paying them since 2007 an average of {$300.00} per month. Since then they changed my payment several times, the changed their name to Navient from XXXX XXXX. I lost my paperwork in the hurricane Katrina while living in Florida. I have requested several times that they send me the original agreement and terms. I have received only lip service. 
I see they have settled several class action suits ( I was not privy to ) because of their practices which border on usury. I do not believe that owe them any monies however they claim over {$30000.00}. How is this possible when I have paid them around {$36000.00} and my loans were not that much. They are keeping me in debt and in the dark. I have tried the states atty. general. No luck only sorry contact our ombudsman who still refuses to send me the original docs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: This Complaint involves Fifth Third Mortgage Company. My name is XXXX XXXX, and I am married to XXXX XXXX, and we lived at XXXX XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX suffered from XXXX, and I had an XXXX which prohibited XXXX from entering the house. Fifth Third foreclosed on the house and did not notify me. Then Fifth Third evicted me from the house. During the mortgage foreclosure proceeding, Fifth Third knew that I was married to XXXX and that I was living in the house. Because of Fifth Third, I have no home to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine

Company response to consumer: Closed with explanation