milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Credit card () with CITIBANK, N.A. (KS).
Issue: Credit determination

Complaint: I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BB&T CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.

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 05/18/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Problems when you are unable to pay

Complaint: I obtained a loan from one main financial in 2014, had lost a job. 
As of XXXX of this year, I have been unable to make payments on time. Since XXXX of this year I have received over XXXX phone calls starting at XXXX XXXX and ending at XXXX XXXX on average XXXX calls a day Monday through Sunday 7 days a week they call from multiple numbers from XXXX from XXXX from XXXX from XXXX from XXXX they 're relentless they will not stop I 've sent XXXX letters of cease and desist have gone unanswered they constantly call I have records of every phone call they made since XXXX I 've even told him cease and desist they will not.. This is the XXXX complaint in less than a month that I am filing against One Main Financial this is beyond simple harassment. When they call I answer no one is on the other end I 'll say hello they hang up if its not that its a robo call and robocalls for constant. I will continue to file complaints daily until I hear from a representative from the Federal Trade Commission this goes way beyond the violations set forth on Credit or harassment. I would greatly appreciate acknowledgement of this complaint by representative of the Federal Trade Commission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. 

THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (MO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Nordstrom lied to me, the CFPB ( ref Complaint Number XXXX ) and the Kansas Attorney General in order to conceal a fraudulent conspiracy resulting in a {$10000.00} taking from XXXX XXXX, an innocent 3rd party, by knowingly issuing a fraudulent XXXX. 

Additionally, Nordstrom 's maintains " The notes confirm that in XXXX of 2007, XXXX XXXX requested to take over ownership of the account. '' No reasonable person would have " faxed '' a request to assume a {$33000.00} debt, especially from their ex-wife. No law abiding bank would accept such a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with AES/PHEAA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I submitted a report on XXXX ( complaint ref # XXXX ) about XXXX student loan otherwise known as XXXX XXXX XXXX ( XXXX ) about reducing my student loans. Recently, I was awarded a short-term payment for XXXX for three months. When I agreed to the short-term agreement terms I was informed by an XXXX representative that I could apply for a long term agreement, which I did. Furthermore, I was awarded the long-term agreement on XXXX, but I was only awarded for XXXX of my loans and not the other XXXX due to my cosigner income. 

To be awarded for the long-term agreement, I submitted documents that show proof of income along with my co-signer and other documents to complete the application. As a result, XXXX granted long term agreements on XXXX of my loans because I did not have a cosigner on the loans. Based on that information, XXXX determined I did not make enough money for the current payment and awarded me the agreement. However, I was denied the long term agreement on my other XXXX loans due to my cosigner, because as the XXXX representative stated " both of our incomes were combined and was determined that we made to much money. '' From my research, social security is unearned income stated, in ( 42 U.S. Code 1382a - Income ; earned and unearned income defined ; exclusions from income XXXX ) and I believe that should n't be applied as a determining factor in my case. When I was granted the short-term agreement I did not have to provide my co-signer income nor his signature to be place on a short term agreement. The short-term agreement applied to all my loans without the use of my cosigner unearned income information nor signature for the approval. 

The information I submitted to XXXX for the Long-Term Agreement had my cosigner income information on the documents that I submitted, but it clearly states social security not source of income due to retirement. I even submitted my co-signer information from the Social Security Office, which states his monthly payments. 

Now, XXXX have decided to use my co-signer information against to increase my payment to XXXX a month, which is only a {$120.00} dollar difference from {$510.00} which I was paying before XXXX. 

I am paying my loans by myself, my cosigner is not paying on any of my loans. Also, I am not delinquent on any of my loans and it 's going to continue to stay that way. I am just asking for fairness and consistency from XXXX. 

Please, can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?

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 09/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I 've had excellent credit history and the only late mark on my credit is from Wells Fargo for a misunderstanding. I signed up for auto pay through their website for my payments to come out each month directly from my checking account. But, I must have misssed some fine print about it taking a few days or weeks to actually set up and that my vey next payment would not come out through auto pay. When I received a call from Wells Fargo on the 30th day of being past due I was extremely shocked and asked the representative calling to please make sure this does not affect my credit. I let him know that I was set up on auto pay and he asked if I saw the fine print and/or noticed that a payment had not come out yet and I answered no I signed up and I thought I was good to go. I immediately asked if I could make XXXX payments right on the phone with him so I could actually be a month ahead and never worry about being late again. He accepted my payments and said he would work on making sure it would n't report late on my credit. I left it at that thinking I was all squared away for the misunderstanding which occurred between XX/XX/XXXX and XX/XX/XXXX. A few months later ( around XX/XX/XXXX ) I was applying for a refi for my mortgage and was asked about a 30 day late that was on my credit. The 30 day late mark on my credit actually hurt my chance of receiving the best mortgage rate. I called Wells Fargo and spoke with a supervisor XXXX who said there was nothing that could be done. There is no going back after they report a late payment and I would have to deal with it, that there is no one that I could speak with for this issue. I called back a month or two later and spoke with a female representative that also claimed the same thing XXXX did. So I asked to speak with any supervisor other then XXXX. A gentleman ( I do n't recall his name ) came on and was very kind, said I could request in writing and send it in via fax. Be ask s me to give it two weeks to a month for the department who handles reporting on credit bureaus to review and see I paid well for a year now and may remove the late payment mark. I did just that. I asked kindly in a letter to please see I 've actually paid well and an entire month ahead in payments for the year to prove it was truly a misunderstanding. An entire month later I receive a letter not acknowledging anything on my letter but that there records are correct and no chance will be made on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Payday loan) with Mobiloans, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Untimely response