milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Beware of World Finance Corporation XXXX, Texas : Last week, I visited this establishment and did not obtain an account with this company. 
From the beginning, as I walked into this store it was unpleasant. We waited for quite some time to speak with someone. There was a manager just sitting at an empty desk not helping any of the customers that were patiently waiting. Finally, I was called up to the desk, by the branch service representative by the name of XXXX XXXX that asked what was the reason for my visit. I explained to her that I wanted to apply for a loan in the amount of {$200.00}. She proceeded to fill out the application for me by asking me the questions that were on the application. Then afterwards she started running my credit report without informing me. So I asked her what she was doing and she said that she was running my credit report. I asked her why did n't she inform me of that and she stated that it was an implied action that your credit is run when you go to a company to apply for a loan. She stated that I was not approved for the loan. She wanted to hand me some documents that showed what she did and I did not accept anything from her. I am a homeowner and I do not appreciate someone running my credit report without informing me. I felt totally violated. The action that I am taking is submitting this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I called Chase Freedom on XX/XX/XXXX and asked if they also had a 0 % interest promotion they could activate on my account, like the one I had just activated on my XXXX for the next year. The agent advised that it had been activated and would carry through XX/XX/XXXX. I was very pleased with the quickness of the activation. I assumed that it was through XX/XX/XXXX, like XXXX 's was, and immediately switched to this as my primary card. During the holidays, I set up auto payment for minimum amount due, not worrying about interest based on the phone conversation. On XX/XX/XXXX, I reviewed my statements and noticed I was being charged 12.99 % on all of my purchases and the activation I was promised had never been activated. I called Chase to see if they could rectify the situation. On XX/XX/XXXX I was contacted by the Chase Bank with a " resolution. '' I was driving and unable to write down the exact details. She had reviewed the call and was offering a resolution. She advised me that the agent on the call had " misunderstood my question. '' She said the agent thought I was asking about a quarterly promotion and not the 0 % promotion I had clearly asked about. She stated there was " opportunity '' on the call for the agent to have been more clear and to have listened better. She offered as a courtesy to refund 2 months of interest, but advised I will immediately, on my next billing statement due date of XX/XX/XXXX,  have to assume responsibility for the 12.99 % interest, ( approximate {$90.00} a month, ) until I am able to pay the bill down. This is not what the original agent had agreed to. This is deceptive and unfair. I could have placed all of these charges on my XXXX and be enjoying 0 % interest, if their agent hadn't " misunderstood me, '' and provided an incorrect answer to my question. I also wouldn't be spending my free time trying to rectify the issue, first with the bank and now through you. My time has value. The person who called me back advised that I must not have heard the agent say that it was and XX/XX/XXXX through XX/XX/XXXX promotion and so it is my fault for not listening closely enough. Now, if I want to transfer the balance to my XXXX I would be responsible for a 3 % transfer fee. So, I'm left paying either a transfer fee or a monthly interest fee of approximately {$90.00} because of their agent misunderstanding my question and providing me incorrect information. I am not able to pay the balance off immediately and this is due to the bank agent 's error. I am hoping you can help me reach a fair resolution. Thanks for your time in processing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Wrong amount charged or received

Complaint: I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Consumer Loan (Vehicle lease) with VW Credit (CA).
Issue: Managing the loan or lease

Complaint: We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Other debt) with ERC (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Patenaude & Felix APC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with Bliksum, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all XXXX reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Mortgage has yet to address the issue that has been Requested. 

Documents not sign by me. 

Its always the run around and nothing to do with the issue that occurred. 

Wells Fargo Mortgage does not deal with the direct issue or have any answer that has any merit to the question/ issue of documents that are not my signature nor did I appear on the document in front of the notary and that is the issue to the Instrument/Deed of Trust I did not personally appeared on XXXX XXXX, 2009 nor did I sign nor was I ever contacted to any corrections agreement nor Limited Power of Attorney There is never no answer to this direct question or why it happen or why Wells Fargo Mortgage ha yet to explain the issue at hand. 

Legally binding contract Personally does not mean some one else signing saying your there and there is no other term to appeared means face to face. 

This is fraud on wells Fargo Mortgage

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 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan.

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 08/21/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: 1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *

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 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/XXXX customer XXXX XXXX rented our vehicle. She provided a XXXX XXXX which we charged {$50.00} toward the rental agreement. On XXXX/XXXX/XXXX we successfully won the first chargeback attempt. On XXXX/XXXX/XXXX we received a second chargeback and Bank of America Merchant Services will not allow a dispute. They have refused arbitration. All documents show this is a valid car rental.

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 Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for 20 years and am facing foreclosure due to the fact that the current holder of the mortgage, Shellpoint Mortgage Servicing, refuses to allow me the opportunity to negotiate or compromise or work towards any type of reasonable solution. They are denying me access to government and in house programs that I believe that I qualify for, they have refused to assign a dedicated contact to work with me, and when I try to call them to work towards resolution they say they are not responsible for what the past holders of this loan did wrong. I am essentially told that I unless I offer them one lump payment for the full reinstatement of the loan that they have no interest in speaking with me and that I need to talk to the foreclosure attorney. 

I am a self employed real estate developer and I make a decent living. In 2008 when the market crashed I, like millions of other Americans began struggling and was not able to keep up with my obligations. As a result, I fell into a foreclosure status and began trying to work things out with my lender at that time, XXXX. After trying to get XXXX to work with me I ended up negotiating a lump sum payment of {$25000.00} in order to postpone my sale date and work towards restructuring or modifying my loan. However, despite this large payment on my part, XXXX did not work with me towards this goal and instead my loan got transferred to XXXX. 

While at XXXX I tried once again to start the process towards restructuring or modifying my loan, but was unable to make any progress. Believe me, it was not for lack of effort. When I would finally get someone on the line from XXXX they would tell me that there " were no options, and that I needed to reinstate the loan or they were going to foreclose. '' I believe that XXXX was denying me access to government and in house programs that were set up to help people such as myself. 

Since the loan has gone to Shellpoint, I have run into the same issues. The agents are telling me there are no options other than full reinstatement and that my issues I had in the past with XXXX and XXXX are MY problem, not theirs. I believe that Shellpoint is denying me access to government and in house programs that should be made available to a struggling homeowner such as myself. I am employed and can afford a reasonable mortgage payment. I realize that I am delinquent on this loan, but I want to be presented with options OTHER than full reinstatement in one lump sum. I believe that Shellpoint is violating the government rules relating to their receipt of bailout money from the taxpayers and that I am entitled to a fair and transparent review of my current and correct financial information so that I can be considered for restructuring or modifying my loan. To date this has not occurred.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance 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 07/21/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Bank of America CEO which explains the circumstances. 
Thank you!

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 02/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Credit decision / Underwriting

Complaint: Many attempts to have my mortgage reported to Experian.

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