milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last year, XXXX XXXX company sent me a reservation pre-approved card number to apply for, by asking me to provide my SSN and bank checking account number for processing which I did. Later to know that {$300.00} was taken from my XXXX XXXX checking account by XXXX Bank without my concern. I did n't receive any credit card from them or open an account with them so I quickly called on my Bank to dispute that payment and it was refunded. Now that I have received a credit card from XXXX XXXX Bank, just recently and I have realized that there were some XXXX inquiries that affected my credit score, when I traced the source it has been revealed that I have opened an account with XXXX and has been closed, which to me I did n't because XXXX did not issue any credit card to me with their credit limit, therefore, I am disputing those XXXX information because it is inappropriate and irrelevant to my credit report. I once again plea for a dispute for the removal of that credit report. Thanks for your kind consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: I have had several Wells Fargo accounts over the years. They have charged me thousands of dollars in late fees and various other charges.

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 07-08-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I never applied for a SYNCB ( Synchrony ) credit card and they are showing an unauthorized inquiry on my XXXX credit report. I did not make this inquiry nor did i authorize it. please remove your reporting from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : 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 10-03-2016 about Payday loan () with ACE CASH EXPRESS, INC. (MD).
Issue: Can't contact lender

Complaint: ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: My interest-only adjustable rate line of credit was taken over by  Servis One , Inc. dba BSI Financial Services,    XXXX   #  XXXX ,  XXXX   XXXX  around  XX/XX/XXXX . My agreed to LOC adjustable rate is  1 1/2  below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my  XX/XX/XXXX  and  XXXX  XX/XX/XXXX  BSI loan statements.  <P/> I received a letter from  BSI Financial Services d ated  XX/XX/XXXX  stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI  Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your  XX/XX/XXXX  billing statement. '' I called the BSI toll free # (  XXXX  ) provided on my letter and spoke with  XXXX  ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account.  <P/>  XXXX  could not help me out. She said she would send my request to the loan team and asked that I call  XXXX  back on Tuesday,  XX/XX/XXXX  to see if any details on this additional, unexplained charge could be provided. I told  XXXX  this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges.  <P/> I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services.  XXXX  to be accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted America Education Services in XX/XX/XXXX about not being able to pay my monthly payments in full. However, I was told to pay {$270.00} to be able to go through a questionnaire for possible forbearance. Later, I was told I had let time pass and needed to pay again and wait for the payment to post. I paid {$300.00} this time and after the questionnaire was told I qualified for a 2 month forbearance. In XX/XX/XXXX without further I received a letter from XXXX stating I was in default. XXXX agrees that something is wrong, but says its up to the AES, who denies they were wrong. They refuse to answer the question of my giving away {$570.00} at their request for me not to interested in the forbearance as noted by their agent. They will only say mistakes happen and we apologize. I have never defaulted on a loan before and due to this can no longer attend school to pursue my dream as a school administrator. I am only asking to be reinstated from default so that I may consolidate this loan. AES misrepresented themselves and provided information that was not true. They refuse to try and work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was sick in XXXX and XXXX XXXX and could not pay my mortagage I make a complaint to cfpb XXXX XXXX XXXX case number XXXX and XXXX. SLS said that got there payment for XXXX and XXXX XXXX but I have made the XXXX payment this siad that Iam XXXX month behind in payment I have a statement from XXXX Bank where I paid 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 04-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Rewards

Complaint: XX/XX/XXXX, I signed up for a Bank of America cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Bank of America was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be " FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Bank of America called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the " life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, " LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed.

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 card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: problem occurred  XXXX   XXXX . I tried resolving :  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  x  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  the bank has ignored us and has NOT ANSWERED OUR QUESTIONS about how on earth someone other than myself and my husband ( the  XXXX  only card holders ) can just call up and get  XXXX  points. We have CONTACTED THE M 87 ti mes AS A COURTESY to ANSWER OUR  XXXX  questions as to how our PRIVACY has been breached and continues to be breached?! See attachment. The bank THINKS that by chopping up the card, giving us a new card and a few lousy points will suffice? NO WAY! ANSWER OUR  XXXX  QUESTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc, whom represents XXXX as a servicer has charged charged me for 11 days of undue interest and has witheld a payment of apx {$72000.00} in overpayment to payoff my loan due their " internal processing time of 30 days. '' Additionally not paying me the interest on 7.25 % on use of those funds

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Grant & Weber (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.

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 03/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Making/receiving payments, sending money

Complaint: A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Bank of America. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Bank of America is liable for the fraudulent check, and Bank of America says that XXXX is liable. Neither will refund my money.

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 10/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service problem

Complaint: I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX company.

Company response to consumer: Closed with non-monetary relief