milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Per the Citi company : APR for purchases is exact same for cash advances. Due to Citis payment allocation rules, cardholder is unable to payoff cash advance before paying off purchases. Result a {$210.00} advance on X/X/17 created {$3.00} interest in XX/XX/XXXX. Even though the monthly bill was paid in full by the due date the XX/XX/XXXX transaction created {$6.00} interest in XX/XX/XXXX and even though that bill was paid in full by the due date the XXXX transaction created {$5.00} interest in XX/XX/XXXX. The credit card agreement does not document this scenario no does the monthly bill. Without calling in, a cardholder would have no understanding of how the interest was accruing or how to stop or prevent it. In my words : In consulting with Citi, I was told the only way to stop the interest is to pay the entire charged amount due in full and not use the card for a month. Essentially, a one-time cash advance created a continual interest income for Citi.

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 09/13/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XXXX agency has XXXX more inquires than the other

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.

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 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i had my student loans dismissed because of my disablity they will not remove them off my 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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Advertising and marketing

Complaint: As a customer of Wells Fargo Bank for 6 years I applied for a Cash back credit card. On the application form I filled out my details as suggested and gave all my information. I was denied a credit card on the grounds that I was not a citizen or a green card holder. Upon inquiry I found out that as a resident Alien on an XXXX XXXX that the bank ran a credit check and denied me a card but nowhere on the website does it mention that only citizens or green card holders can apply. I Asked the bank why it was not mentioned on the form and why no banker would mention it? They said it was against Federal Law to to discriminate people while applying. This is misinformation because people apply but they do n't meet the standards for qualifying. So this is a violation of Federal law indirectly and it is discrimination. No other bank would deny me a card based on my citizenship. As long as I have a social security number and a good credit score that should be all the the Banks need. Do look into this matter as Wells Fargo is very discriminatory as to who they provide credit too. I am a resident Alien legally working and paying my taxes and bills on time. I should not be denied basic Banking services based on my citizenship. My credit score took a hit because of misinformation.

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 05-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Recently my  XXXX   XXXX   XXXX  mother fell and   XXXX   her   XXXX   in three places, while she was in the hospital her tax refund cam e ( she is still in the hospital ), she signed it over to me and told me to pay her rent with it. I endorsed it and deposited it in my Chase account. Several days later I get a letter from Chase telling me that they have restricted my account and  plan to close it because they were unable to verify my mother 's signature. WHY would this problem warrant shutting down my account that I have had for over 20 years? My mother is in the hospital and they could easily call the hospital to speak with her but they insist on me getting a letter from the hospital stating that she is there AND on top of it I have to pay for a notary to go to the hospital and have it notarized then take it to a branch. I am beside myself that I need to do this, I have been given no reasonable options and I am dealing with some very emotional issues regarding my mother 's future. Their solution is unreasonable and causing me a tremendous amount of distress at a difficult time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....

Company response to consumer: Closed
Consumer complaint received 03-10-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Adding money

Complaint: I ( tried ) to use the American express serve prepaid mobile app to deposit a check, which they say takes up to 6 days to apply the funds. I assumed it was to ensure the check cleared. What they do n't tell you is that they use a vendor to evaluate whether or not to accept the check. They check I deposited was rejected and even after speaking to a vendor rep I have no idea why. The information is proprietary and they wo n't tell you why a check was not accepted. They do not provide guidelines of any sort, which means any check can be rejected for any reason. Their excuse is that it is an app and we should n't expect every check to be accepted. The problem is that the American express serve prepaid website and the app do not give any indication that the check will be put through this arbitrary process. this need to be fix I am scared to use their mobile check app fearing that when deposit a check that it will get rejected for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (FL).
Issue: Managing, opening, or closing account

Complaint: My account got locked because the company changed the policy and started locking accounts automatically for any transaction over a {$1000.00}. I have not been able to use the account for months. I requested the account to be closed and the funds to be returned to me. After submitting all the requested documents, the company representative gave me 30 day deadline before the check would be issued. It has been over 2 months since and the account remains open and the crooks continue charging me monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Struggling to pay mortgage

Complaint: Purchased my home in 2007, My loan was first with First franklin then first franklin sold my loan to Bank of America I tried with both companies to do a loan modification 11.7 % interest rate, at the time XXXX was the company Bank of America had doing loan modifications each time I would send my paper work in they kept saying they did n't get my modifications even when I went to Bank of Americas bank branch to have the paper work faxed four times in four months, I even took the modification paper work to XXXX sent them to Bank of America.
I am a XXXX XXXX  and I believe I am Victim of predatory leading practices

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 Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was behind on mortgage due to my health and knee problem. I could not work and I have submitted to lender the request for mortgage assistance to keep my house. Lender had got the RMA but they did not do anything to me and my agent has been contacting lender but no result. They cancelled the notice of default however they sent me the notice of sale on XXXX/XXXX/2016. My agent has contacted Chase for more information but the representative from the Chase could not answer or get back to her anything. I need them to help to me review the application and provide correct information. They dont even want to give me or my agent update for request for mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with Riverwalk Financial Corporation (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Payday loan () with LDF Holdings, LLC (MI).
Issue: Received a loan I didn't apply for

Complaint: XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.

Company public response: Company believes the complaint is the result of a misunderstanding
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 EQUIFAX, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with LMS Services, Inc. (AL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Payday loan) with Guidiville Indian Rancheria (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I remain extremely concerned that Experian fails to operate with integrity. I filed a complaint through your firm and Experian responded that they would follow up in 60 days. Experian issued a final report to me several weeks ago but have yet to update their response to your organization. I remain hopeful that filing another complaint will warrant immediate action. There are several XXXX accounts that are reporting on my credit report inaccurately. These accounts list that I filed a bankruptcy in XX/XX/2016 and XX/XX/2016 which false. I must assume that someone has compromised my identity and have opened these accounts without my consent. I have NEVER, EVER filed a bankruptcy in XX/XX/2016 or XX/XX/2016 or at any point in time in XX/XX/2016. Please delete these accounts from my file immediately. I am also requesting that Experian follows up with your organization in a timely manner. This inaccurate reporting is creating a significant financial strain and hardship. I believe that Experian is discriminating against me because of my ethnicity.

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 08/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently entered into a repayment plan with Navient. I was never informed by them that the payment was well below the required monthly interest assessed on my outstanding debt. This was very surprising to me, as I have been paying over {$200.00} per month on approximately {$25000.00} for over 20 years. Consequently, the repayment plan was adding to my overall principal because the unpaid monthly interest was being capitalized and thus, I was being charged interest on that unpaid interest. When I requested an amortization schedule, which I believe every borrower has a right to obtain, I was informed that the only documents available to me were linked on my account. None of those documents were a detailed accounting of how my payments have been distributed between principal and interest over the life of my loan repayment. They were merely summaries of my account which did not satisfy my request nor did it put my mind at ease that my loan repayment was, indeed, being administrated properly. Unknown to me, was the fact that Navient compounds interest daily. At an 8.25 % interest rate, I will never get this loan paid off. The company never ever provided information to me in order to gain some relief over this never-ending debt. If the government wants to bring down the debt, do n't penalize those of us that have paid our payments on time. Bring down the interest rates and do n't allow the loan providers to compound interest on a daily basis. That aside, I want an amortization schedule to review the accuracy of my payment distribution. Where can I legally obtain one? If the servicing entity can not provide it, who can? I think it should be unlawful to deny a borrower such information on money that he/ she has been repaying.

Company response to consumer: Closed with explanation