milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.

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 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.

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 05-02-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX. 
The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE. 
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.

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 11-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed my personal information and left me vulnerable in to identity theft, by not adequately protecting confidential information such as my SSN, addresses, DOB, and ( potentially ) driver 's license number ( they have not even disclosed that ).
On top of this, when Equifax learned that my information, and the information of millions of Americans, had been compromised, they waited an entire month before letting us know. Only then were we able to take appropriate action to protect ourselves from this hack - Equifax deliberately kept information from consumers in order to make themselves look better.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Lately, past few months noticed my interest was {$68.00} on {$3300.00} balance. Is n't this way too high. I pay {$100.00} a month and only get accounted for only a few dollars. This past statement was for Wells Fargo, billing period XX/XX/XXXX to XX/XX/XXXX. Something has to be wrong. This is ridiculous.

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 03/18/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to call almost every night, sometimes twice a day looking for a person that I do not know. I have picked up their call to notify them not to call any more in the past. Since they change the number all the time, it 's not possible to block their call through my phone company. 

The company has been harassing me with unwanted calls for about year. Most of their calls occurred during dinner timeHere is call log showing last few days. 

PORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced in XX/XX/XXXX No payment in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX was {$930.00}. THEN I received a Annual Escrow report that said my payment for XX/XX/XXXX would start {$900.00}, I paid that amount ALL through XX/XX/XXXX. I THEN received a NEW Annual Escrow report that says my payment starting XX/XX/XXXX through XX/XX/XXXX will be {$950.00} ( which is HIGHER then my refinance agreement WITHOUT my Insurance OR Taxes going up )?? When I called to ask them WHY it was going up, I had talked to like XXXX different people that could n't give me an answer. I finally talked to a supervisor that said it was because my PMI went up and sent me then to a PMI XXXX, XXXX notes will be attached of the people that I talked with ). I was then told that my PMI was paid BY them during XX/XX/XXXX and now I had to pay them back for XX/XX/XXXX and also then pay monthly different for XX/XX/XXXX. My insurance and taxes DID NOT raise, they said that the know that and it was all due to PMI. They told me if I did n't like it to file a complaint with you guys. I talked to a few different Mortgage brokers and THEY ALL told me the same thing, " that my PMI CAN NOT go up. '' because of a RESPA guidelines. They could not believe that Nationstar was so rude to me and not helpful, and then told me to file a complaint with you guys. Please help me figure this out and fix it so that they do not continue to try to do this kind of wrong with others. I have all kinds of documents that will be attached to this complaint to hopefully help someone figure out an answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with DISCOVER BANK (NJ).
Issue: APR or interest rate

Complaint: I have a Discover credit card and have been a member since XXXX. With the exception of a few late internet payments, I have been a responsible customer with them. I had the false impression that my interest rate was approximately 15 %. Yet, when I looked at my current statement, the rate was 26.99 %. This prompted me to do a review of my Discover credit statements dating all the way back to XXXX when my rate was 13.99 %. In XXXX XXXX, I did not make a payment and that increased my rate to 18.99 %. In XXXX XXXX, I then paid off my balance of {$330.00} to show good faith. In XXXX XXXX, my rate was increased to 23.99 % without any reason other than that my interest rate was variable. In XXXX XXXX, my rate was increased to 28.99 % without any notifiable reason. In XXXX XXXX, Discover then reported that my rate should have been 26.99 % and they adjusted it accordingly. Since XXXX XXXX, I have unknowingly been paying 26.99 % interest on my credit card balances. I realize that I should take responsibility for not being diligent enough with tracking my credit card interest rates. However, a review of my account with Discover will show almost fifteen years of being a responsible customer. The penalty for a few missed payments is rather steep. It seems that I would need a professional accountant to truly calculate the total cost of lost money over the past five years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XX/XX/XXXX of this year I obtained a debt consolidation loan to pay off my bills which included my XXXX XXXX XXXX XXXX. The credit union mailed checks to my creditors. As I was not aware when the checks were arrived I still schedule my regular payment. The payment was posted on XX/XX/XXXX in the amount of {$11000.00}. My regular payment of {$360.00} posted on XX/XX/XXXX. XXXX XXXX XXXX XXXX also charged me interest in the amount of {$230.00} when my balance reflected as XXXX AND my payment posted on the XX/XX/XXXX. I called them on XX/XX/XXXX and was advised they would reverse the interest and it would take 3 days. I gave it a week and checked my account. I called back on XX/XX/XXXX and was advised that the last CSR did not notate my account and it would be done again and take up to 3 days. I checked my account this morning and it is still not applied. As such, I would like assistance receiving my credit so I can close this account. XXXX XXXX has a habit of this practice and I no longer want to have a financial account with them.

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 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: We've attempted to settle the payoff amount and no one has returned our email from XXXX 

Here's one of several emails we sent

from:	XXXX XXXX 
to:	XXXX
date:	Thu, XXXX XXXX, 2018 at XXXX XXXX
subject:	Settling Account
mailed-by:	XXXX

To Whom It May Concern:

Loan No.: XXXX

We're a charitable non-profit organization that borrowed the money to so we could clear up a debt to receive a grant.  We received the grant yesterday and would like to pay off the loan, and ask that you allow us to pay off the lowest amount possible.  We will provide you with a tax deduction for any amount that you can provide.

The original amount of the loan was $XXXX initiated XX/XX/XXXX, and we made the first payment on XX/XX/XXXX, and the balance of $XXXX is accruing interest daily.  We're prepared to make a payment immediately.


Respectfully, XXXX XXXX
XXXX
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WAS EVICTED FROM MY APARTMENT IN THE LAST MONTH OF MY LEASE AFTER I ALREADY PAID RENT AND ONLY HAD MAYBE A WEEK LEFT IN MY APARTMENT. WE WENT TO COURT FOR EVICTION PROCEEDING AND THE JUDGEMENT SAYS I ONLY WAS TO GIVE POSESSION OF THE APARTMENT OVER AND I DO NOT OWE ANY COURT COST, FEES FROM THE LEASE OR BACK RENT. THE APARTMENT COMPLEX IS REPORTING ON MY CREDIT THAT I OWE THEM {$1200.00} FOR RELETTING FEE AND EARLY TERMINATION FEE DUE TO NOT TURNING IN MY 60 DAY NOTICE BUT THIS WAS PROVIDED TO THE APARTMENT MANAGEMENT WHEN IT WAS TIME FOR ME TO TURN IN MY 60 DAY NOTICE. NOW THE DEBT COLLECTOR IS STATING THAT I NEED TO PROVE TO THEM THAT I TURNED IN MY 60 DAY NOTICE BUT THE JUDGEMENT CLEARLY STATES I OWE NOTHING!!! IVE TALKED TO THE APARTMENT MANAGMENT OFFICE AND ALSO THE DEBT COLLECTOR WITH NO LUCK. I HAVE DISOUTED THIS SEVERAL TIMES ON MY CREDIT REPORT AND NOTHING SEEMS TO HAPPEN.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted the proper documentation to Experian to begin the Investigation, I actually submitted to them ( Experian ) the paper work on 2 different occasions because I felt like I did n't receive the proper results ( an answer ). They stated that my results came back verified and I did n't receive any documentation that stated that they were verified. I actually sent the same letters to XXXX and the Information was removed/ Deleted. 
The XXXX account were : XXXX Acct # XXXX XXXX. Acct # XXXX Attached is the results from XXXX results for the XXXX accounts listed above.

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 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was never late and is a duplicate account.

Company response to consumer: Closed with explanation