milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Getting a line of credit

Complaint: On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX   stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be  in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.

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 10/24/2016 about Consumer Loan (Personal line of credit) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a line of credit

Complaint: I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I lived in a rental apartment, and a previous tenant ( who I 've never met ) apparently owes a creditor money. I recently purchased a house and moved to another county. The creditor 's attorney 's listed my new home as the address of the guy who owes them money. I have returned multiple letters, and recently a process server showed up on my door. I told him that person does not live here and I have never known him. I contacted the creditor 's attorney and demanded that they cease this contact ( since they clearly have the wrong address ), and to remove my address in the case file with the court. I received an email from the attorney stating that they would remove my address from the case. Apparently they did not, because I am still receiving mail on this case, and now there is a motion filed with the courts ( by the creditor 's attorney ) to change the jurisdiction of the case up here to where I live. 

I am being harassed and incriminated at my new house all because some guy who owes them money rented an apartment that I later moved into once he left.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Capio Partners, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX at XXXX pm I received an automated email from Bank of America indicating that the balance in my saving 's account was low. I checked my account via online banking and found that two transactions had posted to the account that I was not responsible for : a deposit of {$380.00} into my checking account at an atm, as well as a withdrawal of {$1900.00} from my checking account at a Bank of America location in XXXX. My debit card was not missing/stolen. At the time, I was at home in XXXX, RI. I called Bank of America and the person I spoke to in the check fraud department told me they could n't do anything about the pending {$1900.00} withdrawal because it was still pending, and they told me I should call back. 

Two additional charges later posted ( both balance inquiries at two different atms ), though I believe they occurred on the same day. I called back on XXXX XXXX and the representative agreed that my account had been compromised, froze the checking account, canceled my debit card, and filed a check fraud claim that would take " 60 business days '' to resolve. 

On XXXX XXXX I received a secure message from Bank of America stating that they had denied my claim because my ATM card and PIN were used as identification in making the {$1900.00} withdrawal. I am unable to understand this given that they person interacted with THREE ATMs that day, so of course they had a copy of my debit card and pin number. I immediately called Bank of America and the agent agreed to put the claim up for reconsideration, and assured me that the debit fraud department would look at is as well, given that the debit card was obviously compromised. 

XXXX XXXX XXXX XXXX ) I called back to check on the status of the claim. I was told that an analyst had looked at the claim on the XXXX ( though this was never communicated to me ) and had decided to again deny the claim. 

I 'm unable to comprehend how {$1900.00} of my money was stolen right out of my bank account and my bank refuses to refund what was lost, as is required of them by the FDIC. I have multiple witnesses, including my wife and a friend I was with that day who can confirm that I was at home in XXXX, RI all day.

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 04/18/2017 about Debt collection (Medical) with Accredited Collection Service, Inc. (NE).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Lease) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with SUNTRUST BANKS, INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.

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 Bank account or service (Checking account) with Comerica (MN).
Issue: Deposits and withdrawals

Complaint: My complaint is against US Direct Express. I had {$600.00} fraudulently withdrawn from my card on XXXX/XXXX/2016. I noticed the unauthorized transactions on XXXX/XXXX/2016 and contacted direct express @ XXXX XXXX XXXX and notified a rep of the situation. The rep canceled my card and sent me a new one and also sent me a fraud packet to fill out explaining the fraud that occurred. After completing and sending back the required forms weeks passed I had n't heard back from direct express. I called to check status of my dispute and a rep told me my case was closed because there was not enough info to determine if fraud had occurred. They never contacted me or notified of anything. I was then sent a letter from XXXX XXXX in fraud dept. days later with a bank statement explaining to me to circle the fraudulent transactions and return to have my case re opened. I returned the required document immediately and once again I have not heard back from direct express concerning my issue.. I 've tried contacting XXXX XXXX, the lady of the fraud department handling my case, and have got nothing but voicemail. I 've left messages that have been unreturned. It is now XX/XX/XXXX and I 've been {$600.00} short for 5 months, struggling to live with the small income I do have. I beg for help as I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following hard inquires on my account that are not authorized. 
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 04-07-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. 

On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. 

XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.

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