milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates has been attempting to collect an alleged debt for several years that is listed in my name. When they first began attempting to collect the debt, I sent them a debt validation letter ; however, I never received a response for validation. I am requesting that PRA quit its collection attempts and remove from all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never signed anything with Naivent

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 12/15/2017 about Debt collection (Payday loan debt) with CASHCALL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I took out a loan from Cash Call 2 years ago and they have attempted to collect the debt through very unprofessional tactics. They would call my place of employment and my relatives threatening them. They recently sold my debt to a company called XXXX XXXX XXXX and this company has used the same scare tactics to get me to pay when I have informed them that I am not financially able to afford the payments they have laid out for me. They have threatjyed to take me to court. This has caused a lot of mental and physical stress for everyone around me. My relatives are being harassed constantly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with DISCOVER BANK (OR).
Issue: Closing/Cancelling account

Complaint: I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 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 have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  XXXX   XXXX   XXXX   #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Prepaid card (ID prepaid card) with Blackhawk Network Holdings Inc. (IL).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with DISCOVER BANK (NC).
Issue: APR or interest rate

Complaint: my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.

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 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (IN).
Issue: Fraud or scam

Complaint: I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a loan with AES and recently refinanced my student loan with another provider. My new lender sent AES money to pay off my loan with them, however the amount AES received was more than the amount required to pay off my loan. My new lender says they sent AES a check for {$12000.00}, but AES only applied {$12000.00} to my loan to pay it off. The {$160.00} difference between those amounts has disappeared and I 've sent many emails to AES but received no response from them at all other than confirmation emails that show they have received my complaint. I believe that AES was overpaid by my new lender and they are refusing to acknowledge me and return the extra money they received.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Sent XXXXXXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from 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 10/24/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 I XXXX XXXX requested from Wells fargo Bank XXXX manager copies of cancel checks that she needed from the bank in order to obtain proof where she paid the City of XXXX real estate Taxes because she was told in order for her to get back were she overpaid her taxes. after numerous times going to the bank in person and talking to the bank over the phone and being told that the bank would take care of it and email the bank cancel check to her son 's email address. And the bank never did send the information which hardening XXXX XXXX from get the money that the City of XXXX owes her in her back taxes which is a few thousand dollars to this day the bank has not help her in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: After holding a secured credit card with Capital One since XX/XX/XXXX 2015, in which I deposited a total of {$3000.00}, I applied for a new account with the bank. After initially being denied for " security reasons '' ( they indicated they were unable to verify my identity, even though I had been a credit card customer for over two years, as well as a checking account customer ). Initially I was given a credit limit of {$500.00}, and after making prompt ( often, multiple ) payments every month and carrying no balance for six months, the bank finally increased my credit line by {$250.00}, to a total of {$750.00}. The bank refuses to acknowledge that I had spent, using the recently closed " secured '' credit card, more than {$65000.00} ( of which I earned no benefit, such as rewards or cash back ) without ever carrying a balance or being late. Requests to have my credit reviewed and an increase made are summarily dismissed, with a reason given that it is " too soon '' to request another increase, and no matter who I speak to at the bank, the standard response is that there is no means to have my account reviewed.
Additionally, I have been waiting more than three months for a refund of the secured funds deposited in 2015, to which the initial call ( nearly a month ago ) indicated a check had been sent and then returned by the postal service. After an additional four calls, each roughly one week apart, the bank has yet to provide an answer as to when the funds will be returned, nor have I received a check or credit, even though I have a Capital One checking account ( which I will soon be closing, as this bank clearly is not interested in my business ).
After making the mistake of recommending my father also use Capital One last year, for his business credit card needs, he was " rewarded '' with a {$2000.00} limit when his monthly spend ( also paid in full every statement ) averages {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX XXXX 2017 Company calling itself " XXXX XXXX XXXX '' has called me > 20x offering a '' better rate ''. 

1. Have made several written complaints to the FCC- because I am on the no-call list 2. I have no debt and my credit score is XXXX - so I do not need a " better rate '' 3. Today 's call came from some XXXX  speaking nation ( could tell it was overseas ). When I requested they remove my number and not call me again- I was told to " shut up '' at least 5x. It was UNBELIEVABLE and APPALLING. 

They are calling me- this has been more than 20x and they are telling me to shut up! 

They use different phone numbers all the time- this time their number was 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 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Experian that the XXXX.. reporting on my credit file do not belong to me. I have submitted a Fraud Affidavit with this account included on it. Please assist me in getting this account removed from my credit file.

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 02/23/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I was alerted that my Wells Fargo debit card had 2 transactions at a XXXX, one for {$700.00} and another for {$200.00}. These transactions were not me, were not authorized by my, and I had my card in my possession at the time. 

On XX/XX/XXXX, I called Wells Fargo fraud division and filed a claim for fraudulent charges on my debit card. Wells Fargo canceled my current debit card at the time, sent me a new debit card, and credited my account for {$900.00}. They also mentioned the investigation of the fraud could take up to 10 business days and if anything else was found I would be notified. I assumed by the end of the month the 10 business days had passed and I was ok to spend the money credited back to my account. 

On XX/XX/XXXX, I received a letter from Wells Fargo Claims assistance center stating that they have completed their research on my claims inquiry. This letter stated that " based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$900.00} temporarily credited to your account, will be deducted on XX/XX/XXXX. 

After this letter was received and the {$900.00} was deducted, resulting in a negative balance of over {$600.00} dollars, I called the Wells Fargo claims assistance center again. The person who answered the phone could only read the notes at hand stating that " based on the information available to us, we found the charges were made by you or someone who had your permission. '' I was persistent in stating that these charges were not made by me or anyone that I had authorized, and that my card had never left my possession. I was told that " the transaction indicated that the card was present for this transaction and there was nothing else they could do for me at this moment. 

My family has banked with Wells Fargo for many years and hold a mortgage with them as well. They have had fraud/ identity theft issues in the past and have had no issue when solving it. This is the first fraud issue I have had and they are telling me that the card was present and it was not. I feel as I am being treated like a criminal being told that it was me that made this transaction and that I am lying. 

In the mean time I am out of {$900.00}, asking family members to cover my negative balance and overdraft charge. Wells Fargo is saying there is nothing else they can do and the next step would be to file a police report. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Late fee

Complaint: I moved address back in XXXX and did not receive the statements. As a result, I was late on payment for a few days. I contacted Citi and they told me to make a payment of the statement balance less the late fee charge and they will reverse the fee in 3 business days. I made a payment as told but I did n't get the fee reversed. I contacted again and they mentioned they would look into this and get back to me. However, they never got back to me and I did n't get the next month 's statement and I was charged late fee again! I am very frustrated about the customer service. They made false promises and could not even deliver their statements. They did not hesitate to charge fees even it is their own mistake.

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 09-08-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Taking out the loan or lease

Complaint: Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with United Revenue Corporation (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief