milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with FastBucks (NV).
Issue: Problem when making payments

Complaint: in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX  up until XX/XX/XXXX which that last payment was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.

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 07/18/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (NY).
Issue: Managing, opening, or closing account

Complaint: My XXXX Prepaid Visa Card by XXXX XXXX was loaded with funds on XXXX/XXXX/2015. Account was frozen following that date with no ability to access funds, pay bills, perform debit POS transactions, etc. Calls to XXXX XXXX since then have resulted in a Case # being opened ( Case # XXXX ). I called them on XXXX/XXXX/2015 to discuss the case and was told that I had to submit a picture of my drivers license, a picture of me holding my drivers license, and copies of receipts for the reload packs used to put money onto the prepaid card. This information was all submitted within hours of that phone call. I then received XXXX subsequent phone calls, which I was not able to answer. The second call left a voice mail stating that the case was now closed since they could not get in touch with me, even though I had already discussed the case with them and sent in the required documentation. I then called again on XXXX/XXXX/15. They called me back and asked me endless identity verification questions ( # of children, ages, if my children were in the XXXX, etc. ). After answering all questions correctly I was then told I had to send in ANOTHER document ( a copy of my utility bill with my name on it ). I informed the risk agent ( XXXX ) that I was away for the weekend and would send it in on Monday the XXXX. I was informed that I would have to create a NEW ticket and begin the process again, because they could only keep a ticket open for 48-hours, which is absurd. I informed XXXX that all I want is to close the account and get a refund of the balance on the account. I have recently moved and offered to XXXX that I could provide a copy of the purchase agreement on the house showing the new address that I could access thorugh my email on my smartphone. This was not sufficient in XXXX 's opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Customer service / Customer relations

Complaint: ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Factor Trust (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a security freeze on my XXXX credit report that did not carry over when XXXX acquired Factor Trust. I submitted the required documents to Factor Trust according to their website and request form. The request form states that I can submit items from two categories. SSN card, paystub with ssn and XXXX from one category and then driver 's license, utility bill with name and address and pay stub with address. I submitted a utility bill and XXXX. I received a message from XXXX who states they refuse to accept my XXXX because it does not have my ssn. I printed my XXXX directly from my work website which is at the bottom of the XXXX and my name is on the XXXX. I told her my paystubs or XXXX does not have a SSN. I have been a victim of identify theft before and they want me to fax my ssn over a unsecured line when their form states they will take the XXXX without ssn. I told her I already gave a utility bill, I could give a paystub and else to put the freeze on. And she still refused. It is common sense that I have proved my identity and she is requiring something not on the company form.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Payday loan) with Premier Portfolio Group (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a voicemail from ( XXXX ) XXXX, which was from an individual named XXXX from Premier Portfolio on XXXX/XXXX/15. I returned his call on XXXX/XXXX/15, and spoke to an individual named XXXX who indicated I had committed a fraudulent crime by not paying a debt. I attempted to ask for a validation of debt while explaining my current situation, and inability to pay. She would not listen, spoke over me, argued with me, threated to prosecute me to the " fullest extent '' and hung up on me. I tried to call back and speak to XXXX, the initial person that contacted me, and individual named XXXX answered. XXXX transferred me back to XXXX, and she asked me to stop calling because no one wanted to help '' me in their office. I attempted to request information to determine if this debt is legitamate, if it ineed is -I am not trying to run or avoid it, and would like to take care of it but was told to cease calling their office ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.

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 04-06-2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was told by a third party student loan that I qualified for my student loan to be forgiven. they said that {$6000.00} of my student loan had been forgiven and that i would only be responsible for {$3000.00}. They set me up for a payment plan started deducting {$170.00} from my bank for the f irst five months and after that {$10.00} a month. I realized my money was not going towards my loan when I called to ask for the  payment history. I have been trying to reach out to the person who set me up for this student loan forgiveness plan but have not been able to get a hold of him.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with PNC Bank N.A. (NC).
Issue: Fraud or scam

Complaint: This number called me and knew my credit score and limit. 
XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a notice that a XXXX account had been sent to collections under my name. I have never opened an account with XXXX nor have I ever authorized or co-signed for anyone else. I tried multiple times to obtain information from XXXX to see when this account was opened and to what address and have gotten nothing. The first time I called, the agent hung up on me after I asked to speak with a manager. The second time I called, the agent that answered simply remained quiet when I asked her questions. She literally did n't say a word until I hung up. I 've called four more times since then and I have been hung up on and transferred to the wrong departments each and every time. I have filed a dispute with Equifax and with the collection agency to whom the account was referred to for collections, XXXX XXXX , XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Debt collection (Federal student loan debt) with Delta Management Associates, Inc. (SC).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.

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 03/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.

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 12-01-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2016, I noticed a fraudulent charge on my credit card. 
I called Wells Fargo to notify them of this issue, and the agents I spoke with refused to assist me. I had recently been through more than 100 phone calls in an effort to resolve fraud shutdown issues with my card, and was met with a lot of resistance. 
Moving forward, there have been numerous more fraudulent charges to my account. I 've made more than a dozen phone calls, and sent several messages, in an effort to resolve these fraud issues. 
In lieu of resolving the fraud issues, Wells Fargo closed my accounts. I am unable to receive any assistance from them anymore. 
On XX/XX/2016, I met with XXXX in the XXXX branch, and she confiscated my cards while I was there.

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 08/23/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.

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