milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.

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 03-10-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing

Complaint: I RECEIVED AN UNSOLICITED PROMOTION IN THE MAIL BY A CREDIT CARD COMPANY OFFERING TO CREDIT MY ACCOUNT {$150.00} IF I SPEND {$500.00} WITHIN 3 MONTHS OF OPENING THE ACCT. I FULFILLED MY OBLIGATION WITHIN 3 WEEKS. BUT NOW THE COMPANY IS TELLING ME I HAVE TO WAIT UP TO 6 WEEKS BEFORE I GET PAID. THEIR OFFER MADE NO MENTION OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Non-federal student loan) with ERC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-04-2016 about Mortgage (VA mortgage) with LoanCare, LLC (WA).
Issue: Credit decision / Underwriting

Complaint: My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.

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 03-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I have been fighting with Macy 's department store to have a charge-off removed from my XXXX credit bureau accounts. I never opened up a credit card with macys. I have notified macys on several occasions and they will not, and have not removed this charge off. I also notified the credit bureaus and they did not rectify this situation. I do not know what to do at this point. I did not open up a macys card and I do n't know whey they are reporting a fraudulent account I never personally opened up on my credit report after I notified them about this on several occasions.

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 05/25/2017 about Debt collection (Other debt) with Retail Recovery Service N. J., Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I was trying to make a high ticket purchase and was advised that I have a judgement from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I closed a XXXX XXXX account I had back in XXXX. To my knowledge it was in good standing. I used the checks from that to pay my rent. After moving from NJ in XXXX I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in NJ I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agency, Retail Recovery Svc NJ Inc, did not contact me either. My phone number has been the same for many years. on XXXX XXXX, I called XXXX XXXX customer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where XXXX accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place at XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a credit card wit h Wells Fargo  on  XXXX  2017. At t he time of the application I had a credit freeze on my credit report. I forgot to unfreeze it prior to the application. I received an email stating that the application was denied because my report could n't be accessed due to the freeze. I unfroze my reports then chatted with a customer rep to ask if I needed to fill out another application or if the initial application could still be considered. I was told to fill out another application. I asked if they were sure that the system would n't recognize it as a duplicate I was told no and to fill out another. I proceeded to fill out another application. The app went into a pending status. When I called for a status update it says app was denied because I just applied. Exactly what the customer rep told me would not happen. My  XXXX  report was pulled on  XX/XX/XXXX  for consideration of the first app. On Friday  XX/XX/XXXX , i was informed that the initial application was denied due to high balances and additional reasons. On  XX/XX/XXXX  my   XXXX   credit report was pulled TWICE ag ain by Wells Fargo. I ca lled to find out why my report was pulled twice the day after my app was declined. I spoke with  XXXX  at  XXXX  who told me all they could do was put in a request to    XXXX    to have  XXXX  of the inquiries removed but that it would not be gauranteed to be removed but admitted it was an err or of Wells Fargo. T his was an e rror on Wells Fargo pa rt and those inquiries should be removed. If my app was declined on the  XX/XX/XXXX  and was not being reconsidered they did not have permission to access my report twice by the same credit bureau again the very next day after the app was declined. In summary, I have   XXXX   unauthorized credit inquiries on my  XXXX  report both dated  XXXX   XXXX     2017 an d I want them removed.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received a bill from Citicard XXXX for a Costco membership. I can not tell you my credit card number because I never received the Citicard XXXX and told them over the phone. Also, I told them that I no longer needed to be a member of Costco. I moved to my daughter 's home and she has a Costco card. They continued to charge me. Then, I wrote a letter to them. Today, I have a bill for {$110.00} for that original {$50.00}. I talked to Costco and they cancelled the membership.

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 08/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ).  Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?

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 04/19/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Convergent Outsourcing XXXX continues ( for nearly five months ) to use an automated dialer to call my office telephone number. What 's more, when I have called their number to ask them to cease the phone calls, they have told me that they are not even trying to reach me. I can not imagine what harassment I would endure if they actually thought that I owed them money. 
I have called them on numerous occasions, requesting that they stop calling me with their response being that my number is on their blocked list. I have registered my phone number on their " Do Not Call List '' on two occasions with no results whatsoever. Convergent 's website states that calls should cease within 48 hours, but almost two weeks after my first request, I still receive several calls a week from them. 
It is utterly ridiculous that a company can interrupt my work day approximately 50 times, with phone calls and messages not meant for me, and smugly claim that there is nothing more they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years, Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is deleting the reported credit info for each monthand turning into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with " NR '' a couple months ago and still showing " NR '', which means it is NOT going to purge off XXXX XXXX like it should in XXXX XXXX because there is No Report history.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (DE).
Issue: Received a loan you didn't apply for

Complaint: Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation