milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: i had a pay day loan with a company called XXXX XXXX. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( API Recovery Solutions ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment

Company response to consumer: Untimely response
Consumer complaint received 09/15/2015 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Billing disputes

Complaint: good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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
Consumer complaint received 07-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.

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 01/17/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person. 

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX loans through Discover Student Loans which I took out for my XXXX education. Over the past few months I have called to let Discover know that I am returning to XXXX status, starting an XXXX program. On each call I have received different instructions about the process for getting my loans deferred. To err on the side of caution, I submitted proof of enrollment online on XX/XX/XXXX. I recently received a letter back in the mail claiming that my request did not " meet their requirements ''. They list an arbitrary, onerous set of conditions for exactly how the letter from the school must be formatted and what it must contain. This process is, prima facie, an obstruction of consumer rights. I am attending a worldwide renowed, top-XXXX business school, and it does not offer a letter of proof of enrollment meeting their baseless criteria. Since their phone support techs have been misleading and offered contradictory information repeatedly in the past, and Discover is trying to obstruct my contractual and legal right to a deferment, I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.

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 07/13/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: In XXXX 2017 I attempted to get a loan modification and it was denied in XXXX 2017 with no specific reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 credit bureaus

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 07/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Customer service / Customer relations

Complaint: I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (MN).
Issue: Other transaction problem

Complaint: I work internationally as a XXXX in XXXX. My school provides us with a large bonus of {$7100.00} XXXX or {>= $1,000,000} XXXX, which is a significant amount of my salary in XXXX. The money was deposited into my XXXX bank account on XXXX, XXXX. I went to the bank with a representative of my school and a few other teachers to wire transfer the money to our USA bank accounts so we can use our money while home for the holidays. I performed the transfer at my bank in XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). I was informed during this time that my bank. XXXX XXXX XXXX, did not have a XXXX code so we would need to go through an intermediary bank, which was XXXX but that I should receive the money within the next 2 days in my account. Needless to say the money has not arrived into my account at XXXX. Currently I am home in Minnesota for the holidays, extremely stressed out and financially broke. The money was transferred to XXXX XXXX XXXX XXXX from XXXX to first convert the XXXX to XXXX, then XXXX XXXX XXXX XXXX to XXXX. XXXX has tracked the money to XXXX. The transfer has not been rejected or cancelled. I have called and also have personally visited both XXXX and XXXX. XXXX XXXX XXXX says that they are unable to do anything because they are only the receiving party but they did verify that the bank name, routing number, and my account number for XXXX was correct. I have personally visited XXXX which indicated that their swift code was correct and told me they can not help any further. I have called XXXX they have refused to do anything to help, stating that they can not verify me as authentic communication and they have not taken any action to look into this matter, even though I have identification when visiting a XXXX branch personally. I do not have an account with XXXX. XXXX says they can investigate but for a price, which I will initiate if necessary. XXXX is holding my money unethically and should process the transfer or reject it so it is sent back into my account in XXXX. XXXX is unjustly holding onto my money benefiting for the interest it is gaining. I am in extreme emotional distress. This is a significant portion of my salary, that I have been depending on, and its XXXX time. I really hope this situation can be solved very soon. I have the information and paperwork from the transfer available upon request.

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 01/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GU).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have had two loans with XXXX XXXX now Navient in a matter of a 3 years my loan has gone from XXXX to XXXX. In a matter of two weeks my loan went from XXXX to XXXX I do not feel that it is a fair amount of fees nor do I even understand. 

I have tried time and time again to change my payment plan with continuous bouncing back while fees adding up by the thousands in a matter of weeks. 

I have a strong feeling that something is not right and unfair in this situation but my lack of knowledge prevents me from pinpointing what exactly it is.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (SC).
Issue: Problems when you are unable to pay

Complaint: While I was XXXX due to Military Service, my vehicle was financed through US. Bank. But a Company call XXXX was handling the payments but they went out of business in XX/XX/XXXX while I was unable to communicate Stateside. I was not notified of this matter until I got home XX/XX/XXXX. I have sent numerous emails asking how I should resolve this situation and got no reply from US. Bank. Since I got home I called US. Bank and they are telling me that I have to pay the entire car loan off, and they are threatening to repossess my vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: Synchrony bank/Walmart is reporting XXXX different accounts on my credit report, XXXX of which does not belong to me. XXXX account number is listed as XXXX on my credit report, and shows that it was opened XX/XX/2010. The correct account that belongs to me was opened XX/XX/2010 and the account number is XXXX. I disputed this with all XXXX credit bureaus, and nothing was changed. Furthermore, how could I open an account in XX/XX/2010, and turn around and open a new account in XX/XX/2010 when I already had an account?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was notified on   XXXX   that there was a change to my Experian credit report. This item was deleted in   XXXX   XXXX     and I was not notified in 5 days that 's it would be placed back on 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 
All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation