milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a comcast rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit. I filed a complaint on the first company they sold the det to Diversified Consultants Inc and I am filing a complaint to everyone. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with Western-Shamrock Corporation (OK).
Issue: Problems when you are unable to pay

Complaint: I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Closing/Cancelling account

Complaint: Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: i 'm being harassed at least 8 times a day by telephone.

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 08-05-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX-went to Bank of America ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( BOA ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to BOA ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a " new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to BOA ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means BOA ( XXXX XXXX ) lie on me by never recover saving account

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 02-02-2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (OH).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: On XX/XX/2017 I was in a financial bind and I went to loan max for help. They went outside looked at my car and told me I could get approved for {$2000.00} based on the car and my XXXX income, I then explained to the loan processor that I get paid on the first of every month and he said that that was ok. The way he ( the loan processor ) explained the loan was that the quicker I paid it off the less interest I would occur so if I paid it back in two months I would only be paying back around $ XXXX {$2800.00} Im not exactly sure of the amount but I remember it be close to {$3000.00} because I thought that was fine it wouldnt totally wipe out my income on the second month to pay it off. But on XX/XX/2017 they wanted me to make a payment I tried explaining to them at that time that I only get paid on the first of the month and I could come in that following week. On the first of XXXX I paid {$1000.00} towards the loan at that point they refinanced the loan for {$1800.00} because I paid more than the actual principle on the loan. I then asked them at that point why does the remaining principle balance say {$3500.00} it was a young lady I was dealing with this time she then stated that the remaining balance was based on me paying it off in three months with the interest that would calculate but if I paid it off the next month it would be less, o.k. On XX/XX/2017 I wasnt able to pay off the loan but I took in {$500.00} to apply to it and when she gave me my receipt I could not believe what I was seeing for my remaining principle balance it showed {$3500.00} so XXXX left trying to figure out if only {$27.00} was applied to my loan. The payment at the end on XXXX came from my XXXX check my next payment was due XX/XX/2017 but my check was less because two of my children had turned XXXX and I was no longer receiving income for them and I tried calling them to work something out but they said at that time that my loan was not in default there wasnt anything they could do, they told me to try back once it went into default and I did and they said that I had to wait until integrity ( the lien holder ) released the loan and then they would be able to work something out. We touched base a few times they called me I asked them was there an amount that I could pay to pay it off and be done no more payment plans because I couldnt afford to pay like that but they said no. And on XXXX XXXX they came and took the car, So I asked them to give me a receipt showing that they are paid because they have the car, still no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Wells Fargo Bank ( represented by America 's Servicing Company ). I am filing this complaint because I feel that Wells Fargo is, without good reason, blocking my efforts to secure a modification of my loan while not honoring their part of the agreement with the government. I am a former XXXX and XXXX. My over dedication to XXXX lead to my disenchantment with the educational system. After XXXX, I concentrated on my XXXX, causing a marked decrease in income. After about a decade of reasonable success, business started to fade and I was forced to go into bankruptcy. I went from earning over $ XXXX/year to a $ XXXX/month social security check. But I only do essential spending and with a loan modificationwould be able to keep my home. I only pay for food, gas, utilities, XXXX and XXXX medications, and bankruptcy payments. I have very good health insurance. I am presently trying to develop some home based businesses. But very little income has been established from those efforts. I have no family or friends from whom I can receive financial assistance. 
For the past 2 to 3 years I have had to pay mortgage protection organizations and a law firm to help me save my home. In my search for help, I often read that Wells Fargo will be difficult to work with and would cause problems when it comes to securing a modification. When I am interviewed by orginizations that might help, they warn me that Wells Fargo might cause trouble. The person handling my case with the law firm that I hired said that Wells Fargo declared that even if I still had my retail business, the bank was still going to foreclose on my loan. Because Fargo has a reputation of putting undue pressure on clients facing legitimate hardships, is the reason why I am writing this letter. Please help!!! I bought my home over 20 years ago and have done business with other banks.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
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: *see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.

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 04-12-2017 about Consumer Loan (Installment loan) with HILCO RECEIVABLES LLC (OK).
Issue: Taking out the loan or lease

Complaint: I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX Mortgage has been discharged via bankruptcy NEEDS to be removed from my credit profile Transunion is ignoring and not investigating XXXX mortgage DELETE XXXX MORTGAGE FROM MY CREDIT PROFILE!!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va 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 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.

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 11/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Billing statement

Complaint: XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Closing/Cancelling account

Complaint: 'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A late payment was reported to my credit report. I contacted the card company as I was unaware that I was a late on the payment, let alone that it had been reported to the credit bureau. I was unable to get online to make the payment as they have updated their website and log in information. At that point it was past due. I paid more than the asked amount. When I got my next statement it indicated that I had {$0.00} due. When I talked to them about correcting this because of the difficulties I had logging in on their site to pay the acct, they said they would fix it and gave me steps to do to make sure it got done. I did those steps immediately. I also filed disputes with the credit unions. I was told this was going to be taken care of. When I called to check in on the dispute and ask them to bring it to the fore front as we are in the middle of a home loan, they said they already replied to the dispute as it was n't their fault and that their hands were tied, when I was told by someone else days before that it would be fixed. At this point I have a home loan that has been put on hold.

Company response to consumer: Closed with explanation