milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was issued XXXX XXXX Debit card ending in XXXX which happened to be a fake one, not associated to me records. I turned this fake fraudulent card to a bank in XXXX at XXXX XXXX The real debit card end in XXXX has been used for over 150 transaction without my authorization or consent. My case was denied because they say I authorized this transaction which impossible because I never had that card ending in XXXX. 

They have been un willing to connect to explain or reasoning for this arbitrary decision. This effects my credit and my identity. 

Wells Fargo also seem very un concerned that the fake debit card I returned was an issue. 

I would like my case to approved in a more timely manner and Wells Fargo held accountable.

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 01/18/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I had three credit card accounts with Bank of America. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Bank of America. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Bank of America had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Bank of America has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Bank of America informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? 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 monetary relief
Consumer complaint received 05/30/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This house was sold in 2008 over 8 years ago. The house afterwards has had a myriad of renters. This company knows that this is not our debt yet for years has tried to collect from us. It is over 8 years ago and they still keep trying to get it from us because we have an address and they can threaten us with damage to our credit rating. XXXX removed this from our credit report because of a dispute and now this company again is trying again to find someone with a live pulse to extract monies.

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 11/17/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The bank in question is XXXX XXXX D/B/A Wal-Mart Card. This card offers a promotional interest rate which I usually use for XXXX shopping. This promotional rate usually fails ( due to a complex process that is constantly under changes by the bank ) to take effect and calls and online chats with the company can usually resolve this. However, this did not work this last XXXX. I made a large purchase on Wal-Mart.com and after I was told that only in-store purchases were elegible for 0 %  interest. I at that point requested paper stetements, which I am now getting. Then they deleted all of my account history from my online account. As i did not recieve paper statements before, I have no history of my purchases. So here I pay 24 % interest until it is paid off. Today XX/XX/17 I am unable to download a PDF statement online, so I guess that is gone too. I looked this bank up on the BBB here : XXXX XXXX XXXX XXXX Here is their own summary from their page ; A+ BBB Rating System Overview Customer Review Rating : 94 % [ 30 ] Positive Reviews [ 23 ] Neutral Reviews [ 783 ] Negative Reviews [ 836 ] Total Customer Reviews [ 4,854 ] Total Customer Complaints Really? I am unable to file a BBB complaint because the page goes dead when entering the complaint process. Also somehow thay are rated A+ so there goes the BBB 's reputation. This company thought of everything. I believe they purchased this rating. All that I can do is say I am an honest person and keep my promises so I can not recommend this company because they are predatory in every way. Thank you for your time. XXXX XXXX XXXX, NH

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 11-02-2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (MI).
Issue: Closing on a mortgage

Complaint: In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.

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 04/26/2016 about Consumer Loan (Vehicle loan) with Auto Buyers Credit LLC (MI).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I currently owe Navient {$24000.00} for two loans : original amt {$10000.00} and {$15000.00}. I also have loans with XXXX that total roughly XXXX, bringing my total to approx. {$44000.00}. 

Yesterday, I called Navient to discuss a IDRP form that I sent in and other possible options. I advised my loan processor XXXX that I was uncomfortable with the IDRP form after doing research on what happens to your loan forgiveness amount. I explained to her that I was concerned about the forgiven amount becoming " earned income '' that I could be taxed on in the future. XXXX said she had never heard of such a thing. I tried to explain that it was true, but she wasn't listening. This gave me zero confidence in her abilities to advise me on anything. She then proceeded to inform me that my total loan amount had jumped up to {$69000.00} in six month 's time. I told her that this must be a discrepancy and she said that it was not, and in fact, was compound interest of exactly {$24000.00} in that 6 month duration. I went onto the XXXX site to look over my loans and saw that it appeared to be a duplicate entry as the total owed amount is exactly the same on both lines. XXXX put me on hold so she could speak to her supervisor and then came back and said that the amounts were correct and that it was compound interest. I explained to her that there is no way I could have accrued that much interest in 6 months and why wasn't this told to me if that was the case? I then asked her to provide me a report showing all the charges I've incurred on loan via email, and she did not agree, but said she would call me back in 30 mins. That was over 2 hours ago. 
I tried to call the XXXX of XXXX XXXX, but they were not helpful and just asked me to call Navient again or file some kind of discrepancy dispute form on their website. 
If they are allowed to charge that much interest in that short amount of time, then that is criminal. I have never seen a more perverse system that entraps people so deeply and cruelly. Something must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2017 I opened an account with Coinbase and bought bitcoins through them. I bought {$120.00} in bitcoin and {$50.00} each of the other two coins, then about 3 days later I got an email saying they were shutting down my account and when I go to withdrawl my funds form the account its says I have XXXX money with them but they generated a transaction record saying otherwise. They money was also taken out of my bank account so I know they have it and it is not pending. I have sent them numerous messages and have called them and have been on hold for 2 days, they will not pick up or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Debt collection (Medical) with The Collection Connection (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Shopping for a loan or lease

Complaint: Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for WFDS to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ON  XXXX   XXXX   XXXX   XXXX  DID A HARD INQUIRY ON MY CREDIT REPORT WHICH WAS UNAUTHORISED ... .IN TALKING TO THE AGENT I ASHED HIM IF HE WAS GOING TO DO A HARD INQUIRY AND HE ASSURED ME HE WOULD NOT.I HAVE BEEN WORKING ON THIS SINCE I FOUND OUT THIS HARD INQUIRY ON MY REPORT ... .I HAVE RECEIVED  XXXX  LETTERS FROM  XXXX  ASSURING  ME  THAT THEY WILL BE REMOVING THIS FROM MY  XXXX   XXXX  DATED  XXXX   XXXX   XXXX  AND  XXXX   XXXX  ... .I .ALSO HAVE HARD INQUIRY FROM   XXXX   XXXX   ... I NEVER DID TALK TO ANYONE IN THAT COMANY AUTHORIIZING A HARD INQUIRY ... ... 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 non-monetary relief