milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (RI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had to finance a broken A/C in the summer of XXXX using a Wells Fargo XXXX XXXX card. At the time I setup the card, I elected for paperless billing which in this case, involved the bank posting a PDF of the bill on their website. I also setup online bill pay to pay the minimum amount with a plan to pay off the card before the interest free promotional period. I made an error in my calculations and did not attempt to pay the balance until XX/XX/XXXX, as it turns out, a little over a month from when the period expired on XX/XX/XXXX. I was charged the interest for the promotional period. I contacted the bank on XX/XX/XXXX to see if they could remove the interest as their paperless billing option obfuscated the warnings for the promotional period running out ( they print it on the back page of the bill they post online ). While I acknowledge my responsibility to understand my terms, I think Wells Fargo hides the appropriate information.

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 06-03-2016 about Debt collection (I do not know) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

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. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On Tuesday, XXXX/XXXX/XXXX at XXXX p.m. central standard time, I called Equifax at XXXX XXXX the number on their website XXXX to request a credit freeze. The lady that answered gave me another phone number to call ( XXXX ). She had said she could not help me, and that this new number was customer service dedicated to credit freezes. When I called this second number, it was nothing but a recording trying to sell services such as cable t.v., internet, etc. 

At XXXX p.m. central standard time, I called the original number again ( XXXX ). I told the gentleman that answered the phone what had happened, and asked if he could help me. He proceeded to read directly from the web page about what my options were. I told him that I had already read and been through those options, and that now I wanted to freeze my account. He ignored me several times as I was telling him that I had already been through those options, and he kept on reading as if I was not saying anything. He ended the call with a scripted line saying, " ok, you do n't have any questions, thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with R & B Corporation of Virginia (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to both XXXX and XXXX XXXX by email and phone calls about the attempts to pull my credit on XXXX/XXXX, XXXX/XXXX/, and XXXX/XXXX. Emails were sent on XXXX/XXXX. Follow up calls were made XXXX/XXXX-XXXX/XXXX.  I explained that I am a victim of identify theft and that is why I have a fraud alert and security freeze. That neither of those companies followed the process of calling me on my cell phone and asking the additional security questions that they are required to follow.

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 04-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: Received an unsolicited BankAmericard reward card.

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 04/30/2015 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Shopping for a loan or lease

Complaint: on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a loan through Navient. Many times they have been unwilling to work with me in regards to assisting with lowering my payments. A couple of years ago, I attempted to file for the XXXX loan forgiveness ( I am a XXXX working for a XXXX ), however they were unwilling to work with me to help start that process. I am now stuck in a graduated loan repayment, as their standard 10 year repayment costs are too much for me, as I am a single parent, and have to pay for the other aspects of life for XXXX under XXXX income. They also state I make too much money ( according to whom?? ) to assist with any other loan payment options, as they were actually more than {$500.00} a month. I just ca n't believe the costs of their loan repayments. I contacted them today about it, and they stated that their loans are through the government, and can only offer what the government tells them to. I 'm not sure if that 's their standard response now due to their impending lawsuits. I feel strongly that I have been overpaying this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. 
Upon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Experian to remove the " dispute '' wording on XXXX of my student loans. I believed that the listing of historical delinquency was wrong because these loans were supposed to be deferred. XXXX explained that the delinquency was for times that they were not in deferment. THE DISPUTE PROCESS IS COMPLETE. XXXX and XXXX properly removed the narrative. Experian would not claiming that it had to remain on the account for six months. I was under the impression that the federal law covered all XXXX bureaus. Since there is a section that deals with what may be contained in the file and for how long, how is it the Experian gets to have one set of rules and the other XXXX bureaus another set? 

This impacts my credit score for six months even though I am no longer disputing these items. The Fair Credit Reporting Act provides that the actual present status of my credit be displayed. Refusing to remove these dispute narratives puts my entire report in an improper status with regard to score. This should be a very good class action lawsuit. 
The loans are listed as XXXX XXXX and 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 09/19/2017 about Student loan (Federal student loan servicing) with Experian Information Solutions Inc. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've filed disputes with Experian, XXXX and XXXX  regarding this. I sent the disputes via certified mail and verified receipt. I would like a copy of the promissary note that XXXX XXXX XXXX is claiming I signed in order to receive said loans for the following accounts # XXXX, # XXXX and account # XXXX. I received information from XXXX that the information was " verified '' and " updated ' but what are they verifying? Whatever it is I would like a hard copy of it. You cant just " update '' someones records without providing them with a copy of it. I am not just going to accept it was " verified '' WHAT WAS VERIFIED???? I 'd like a copy of it. If we had to go to Court the Judge would want to see a copy of the promissary note with my signature attached. I do n't recall any of these loans. I would like a copy of the promissary note and or any documentation proving I owe these for these accounts. It is not fair that Creditors just " update '' please provide consumers with exactly what you found that lead you to your finding in fact. A fair solution would be to remove/DISCHARGE these accounts from my credit report IF you can not provide the copies of the promissary notes with my signatures 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Servis One, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. 

Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. 

Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. 
XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. 
See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 Attn CFPB, I submitted a complaint regarding Bank of America 's Predatory Lending Practices on XXXX/XXXX/2016. I received a voice message from XXXX XXXX XXXX of Bank of America 's Regulatory Complaint Servicing Department at XXXX on XXXX XXXX, 2016. He left this number XXXX and Extension XXXX and asked me to call him back. He sounded very new because he did not even know his own telephone number or extension and fumbled when trying to look these up to leave the message. 
I have called this number and extension on the dates and times listed below. It is actually the number for XXXX XXXX XXXX of the bank 's Regulatory Complaint Servicing Department. I have left a voice mail each time asking for him or someone to call me back but no one has done this yet. Even though I have called multiple times the phone only goes to voice mail. 
I bring this to your attention as I believe this department may be doing some kind of sham or cover up type work. Specifically making calls to CFPB complainants at late evening hours just to paper or document that the bank tried to call and resolve the issue. The fact is they have no intention of speaking to anyone or returning any calls. 

My calls/voice mails to Bank of America 's Regulatory Complaint Servicing Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five calls no answer. Five messages, none returned. 
Sincerely 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 11/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: 2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.

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 08/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Creditor sued me and served/posted the documentation for the court date at the wrong address. When I contacted them to speak with them about the issue, I was told there was nothing I could do. They have been collecting from me for four years and did not stop after the consent decree was entered

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Credit decision / Underwriting

Complaint: i applied for a mort loan about 1 month ago. i was trying to refi my bofa loan with that has a XXXX balance with a XXXX pmt to a 15 yr loan for about XXXX per month. i have been with bofa for 30 yrs, i 've had this loan for over 10 yrs paid perfect. they sent me that my beacon was XXXX, home value XXXX. i can show XXXX in assets in XXXX financial institutions and could easily cash in annuities to pay but i dont want to. i am asking only to redo my bofa loan w/no money out ... .i have XXXX for 25yrs this should be the easiest loan you can get, there is no angle that this is not a paying loan. on XXXX i tt XXXX XXXX he asked me to get verification a loan on my XXXX was not mine i did that called the next day no return call ... XXXX & XXXX called left msg no return call ... about XXXX recieved turn down letter that was sent out XXXX XXXX he sent me on a goose chase ... .both XXXX and XXXX XXXX that i spoke to were not very helpful ( useless ). could someone with bofa who can make an educated loan descion please contact me to at least explain to me why you would make this desiscion on a 30yr perfect cust of bofa

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