milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I want to begin by saying ... .I DO NOT have any negative information on my credit reports. I pay a monthly fee to monitor all 3 credit bureaus. I have always paid my payments on time. Because I have excellent credit, in 2016 I took advantage of credit card banks offering me credit and promotional interest free balances for a period of time. Generally 12, 15, 18 months. Of course I am required to pay minimum payments every month. As long as minimum payments are made, there will be no interest charge. 
My complaint is with Bank of America. I have had credit cards with them for over 20 years. NEVER late with a payment. In XXXX of 2016 I was standing in line at a grocery store with a friend paying for groceries with a Bank of America credit card. The clerk said the card was declined. I thought there has to be a mistake. It was embarrassing. I used a different card. The next day I called Bank of America. I was told that all 3 credit cards were closed. I would be receiving a letter. I did receive 3 letters the next day, 1 for each credit card account. The letters stated, as a result of a recent review, we 've closed your accounts. I explained to the Bank of America Representative that I had 5 automatic monthly payments on 1 of the cards that totaled approximately {$120.00} per month. Would I be allowed to give {$500.00} to them to keep the card active to the limit of the remaining cash balance. Allowing the {$120.00} charges per month. In other words, a collateralized card. I was denied.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: See the letter that's attached ( Violation Fair Credit Reporting Act ) ...!

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 05/22/2015 about Debt collection (Credit card) with Wright & Lerch Attorneys At Law (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CO).
Issue: Taking out the loan or lease

Complaint: I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Billing disputes

Complaint: I filed a billing dispute with American Express for XXXX fraudulent charges on my American Express Charge cards. The dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX, the second dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX. XXXX committed fraud against me for over {$12000.00}. I submitted documentation and evidence that XXXX had committed Fraud, and breached the contract that I had entered into with them. XXXX had failed to deliver on the products promised. American Express failed to give me reasoning as to why they would not dispute the charges with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. 

Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with American Credit Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 'm in a double situation of annoyance. I was a previous student of the XXXX XXXX of XXXX. A company that was sued not that long ago for fraudulent activities and recruiting low income students in order to take out more loans than needed. On top of NOT being accredited, it made it significantly difficult to transfer credits to a better/reputable school. The credits themselves do n't even transfer to their OTHER XXXX branches. Forcing students to take out more money for classes because they credits could n't transfer over to schools within the same company. My loans were being handled by XXXX XXXX now Navient and it 's a nightmare. I ca n't afford to pay my loans off. They have absolutely no kind of payment plan that is affordable. When I had tried in the past to explain that I do n't have {$500.00} a month because what should I do? Not eat? Not pay rent? They hung up on me. When I called back the woman only wanted to speak to me if I could pay their price. I keep submitting for forbearance because I can not pay. What makes it worse is that my degree is considered useless. I could barely find employment in my field. Their graduation was a huge joke because all their graduates were supposed to have a showcase for recruiters show up. Not a single recruiter showed up for ANY department the students were in. I ca n't afford to go to another school and get a BETTER education from an accredited place and am stuck with XXXX worth of debt until probably the day I die. I find this extremely unfair that everyone was aware of the XXXX XXXX 's shady practices, SUED them and not a single student of that school that was a victim of their shady practices saw any kind of benefit. Now XXXX/Navient is being sued for the same nonsense and what will come out of it for me? Does my debt get abolished? Will I get my credit back to a decent place? Will I receive money to go to a new school? I hate that I did the right thing by trying to get an education only to end up misled and scammed by BOTH of these organizations. I 'm XXXX and have to pretty much START all over again in education paying desperately out of pocket for classes here and there because I ca n't afford to take out anymore loans to attend a school. Not even a community college.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax failed to respond to my dispute letter and they failed to verify that the accounts belong to me before the end of the 30 days period.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (NE).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I was supposed to receive a pre-paid credit/debit card for {$2000.00} for a rebate on the purchase of new appliances through XXXX XXXX. My rebate email status told me a card was to be mailed in XX/XX/XXXX and received sometime in XX/XX/XXXX. XXXX XXXX XXXX, then sent the prepaid card to an address that was not listed on my rebate in any fashion, to a residence that I did not live. In late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about the status of my card, as I had not received it. The customer service rep indicated they could send a check, but it would take 2 weeks. I have now waited for 6 weeks, with 3 follow up phone calls and a {$2000.00} card or check has not been received. On XXXX XXXX, I asked that the company send the funds directly to my bank via ACH or XXXX, they declined and wanted to take another approach. The customer service Manager said she could issue a stop payment on the check ( a 3-5 business day process ) then issued a new check with and send via certified mail ( 4-7 business days ). 

In short, I am fully entitled to a rebate of {$2000.00}, but XXXX XXXX XXXX has been unwilling to work with me on a timely solution.

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 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Prepaid card (General purpose card) with U.S. BANCORP (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.

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 04/18/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On   XXXX   XXXX   XXXX     the IRS withdrew a lien against me and my wife. I filed a dispute with Equifax and  XXXX  to have this lien removed from my credit report. Both agencies have reported the liens as verified even though I provided copies of the IRS form  XXXX  and this same form was recorded with the   XXXX   XXXX   XXXX   office on   XXXX   XXXX   XXXX   Transition removed this from my report within days of the IRS withdrawal however  XXXX  and Equifax have failed to do so despite submission of all of the legal documentation required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America. 
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: I had a secured credit card with Wells Fargo Bank. I was required to pay {$500.00} to secure the card. I asked the company to close the credit card account because they were putting charges on the card I had not authorized. They were then asked to return the collateral on the card. A check for {$500.00} was made out to XXXX XXXX, XXXX. I tried to cash the check at their bank but they refused to cash the check even with proof. The company has been contacted several times but I was told lies. When I tried to get the check re-issued in the business ' name and my name they say it could not be done. The impression I have is this : they want me to open a bank account with their bank. What they would do is charge fees I have not authorize or try to mess up my credit report. I do not appreciate being muscled by irresponsible and dishonest people. I would like Wells Fargo to return the security deposit I made in good faith. I do not think they should be considered for opening a business account with their company. I want to build wealth not get ripped off.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -  XXXX  2.   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -  XXXX  5.   XXXX   XXXX   -  XXXX  6.   XXXX   XXXX   -   XXXX   7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -  XXXX  9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   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