milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Received legal statement/ from Discover Student Loans regarding CFPB legal action and settlement information for account holders. This letter contained information regarding my account, stating that it was eligible for a {$75.00} account credit for applicable servicing years. I have yet to see this credit applied to my remaining balance. I have called on XXXX separate occasions to inquire about when and how this amount will be applied. They have told me that the {$75.00} was applied to my XXXX XXXX statement, however, all deducted payments were made by me and my checking account funds. When I called the second time, I was passed around to XXXX departments and made to feel ignorant about their financial procedures and told that a special statement would be created to illustrate how this {$75.00} credit had been applied. To the best of my knowledge, all deductions to my principal account balance have come from my personal checking account. I have just received this " special statement '' and it is nothing more than loan information, original disbursement information and contains information about credit reporting. Nothing about your judgment against them for their illegal servicing practices with their student loan borrowers. I have had many issues with them over the duration of our contractual agreement, including upping my interest rate to above what they currently offer to new borrowers, taking additional payments on my account and applying them to interest, however, they were additional payments made to be applied to the principal, furthermore, I was instructed by their representatives to seek out plasma donation sites for income when I was out of work in XXXX and asking for a 30 day deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Consumer Loan (Installment loan) with Sokaogon Finance, Inc. (HI).
Issue: Problems when you are unable to pay

Complaint: Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.

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 12/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX had a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing statement

Complaint: There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been XXXX by the federal Government XXXX XXXX ) 2 years ago. due to my permanent XXXX they have XXXX my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was XXXX XXXX XXXX. I explained to them that the loans were XXXX and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     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 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with ARVEST BANK GROUP, INC. (OK).
Issue: Other

Complaint: I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Experian credit report displayed an address at which I 've never lived. XXXX XXXX XXXX XXXX, ma The only place in XXXX at which I 've lived is XXXX XXXX XXXX XXXX ma. That was over ten years ago.

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 02/22/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: Chase Bank Cashed 2 of my personal checks to pay my rent to XXXX XXXX There client " account holder '' XXXX XXXX XXXX XXXX XXXX chase cashed my rent payment and placed in there clients Chase Bussiness Account. XXXX XXXX, 2017 after waiting over a hour soke with XXXX XXXX ' XXXX Branch Manger Chase Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX. Whom informed me it would take 3 years for me to get refund and duress payment. I am asking fro the account of payment and dress payment XXXX that is smallest account in small claims court. I contacted there client XXXX XXXX XXXX asking return of my rent payment and duress. I was told No they were not going to return payment there reply '' We do not look at checks we just cash them " and hung up the phone. { I guest Chase Bank Does Not Read Checks Either }

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The i tem   ( Inspiron 3050 - a microcomputer ) was received at my home address ( redacted ). It did  not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

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 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I have been XXXX for 15 years there is a {$850.00} debt on my report from 2014 for XXXX I was in XXXX records will reflect the facts.

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 03-10-2017 about Credit reporting () with AFNI INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account was paid in full and closed by the original creditor which is XXXX. AFNI Collection Company continues to report inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!

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 05-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.

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