milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: XXXX incidents : 1. I asked the bank representative why I was mailed a XXXX Visa card. He insisted I only have XXXX account, even when I showed him the XXXX cards. He got annoyed with me and shouted ( loudly ), " Why do n't you just go pay the bill! You have XXXX dollars in your account, so use it! '' He did yell out the actual balance in my checking account. 2. ATM would n't accept some of my cash, so I went inside and exchanged the bills. Same thing happened. Total of my wait time at ATM was 35 minutes. I could n't go to teller because only XXXX windows were open and XXXX people were in line. I spoke with a representative who brushed me off with " It 's a busy day '' and made no effort to help. I never made the deposit.

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 08/31/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (CA).
Issue: Managing the loan or lease

Complaint: Please reverse the {$34.00} NSF fee as it was a duplicate of the other {$34.00} fee, that is, you assessed two NSF fees for the same exact thing, which was that your decision to suspend my Citibank Custom Credit Line without any notice or awareness by me and moreover, for no reason that anyone at citibank customer service can explain, put me in the position of being unable to simply move {$56.00} from my {$32000.00} credit line to make the {$76.00} payment clear. I could have completed that the same day the overage occurred, XX/XX/2016 if you had not suspended my credit line 5 days earlier without my knowledge. I had told your staff before I left that I was going to be in Hawaii for a week, where as you know there is NO Citibank branch in all the XXXX, so I was completely helpless to do anything EXCEPT move the money from my Custom credit line the same day to my Checking account -- the one avenue I had available to remedy the shortage -- but you had cut that off, again for no reason at all and without my knowledge or awareness until I tried to use it on XX/XX/2016 and found that I COULD NOT. I called your Customer Service number and spoke to a total of six different Citibank CS personnel throughout the whole day of XX/XX/XXXX, being passed around from one to another, so that I was on the phone for hours, repeated to each agent that I was in Hawaii ( which they could see by the phone as I called from my hotel room land line at XXXX ) and that I needed to be able to move the money from my Credit Line to my checking to cover the overage. No one could help me ; they EACH said they could NOT UNDERSTAND why my Credit Line was even suspended in the first place five days earlier. I had NEVER done anything wrong or against the rules, or even imprudent, nor made a late payment -- so why was it suspended just when I was away from home, on travel status, in Hawaii where there are no Citibank branches, and then suspended so I could n't use it? For this reason, that I was powerless to do anything about the overage due to Citibank 's sudden and unknown to me, secret disabling of my account for no reason, actually 5 days earlier -- that I incurred the overage in the first place. If you had not done that, I would have been able to move the funds and not incur an overage or NSF situation. THat Is why the remaining {$34.00} NSF needs to be reversed, just as you already reversed the other one. THank you.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Credit acceptance is saying I owe them {$6300.00} for a vehicle in XX/XX/XXXX that was turned in the the car lot it was purchased from XX/XX/XXXX we finance auto sales. Two week later we finance auto sales closed down and the vehicles that were there vanished. No one knows where the company took the vehicles. I wish I knew so I could sue them for having to owe for something they have

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 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: recently contacted the agency about Experian credit reporting agency. and 3 months later I find myself contacting you again. at the having certain items on my credit report removed in XXXX of this year information that was given to my bank in XXXX did not reflect the change once again denied credit.this morning talking to be Experian about it and my XXXX scorespace certain things on my credit report have been taken care of but they have not and will not have not updated my XXXX score to reflect the changeseven after being told that they screwed up and gave my bank the 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 09/18/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Managing the loan or lease

Complaint: I purchased a mattress for XXXX $ from XXXX and selected 2 years no interest financing. I told the financing officer to set the auto pay to pay off the mattress in 2 years. I set up an auto pay to have the mattress paid off in 2 years, so as not to be hit with any interest. I came to find out Synchrony Bank only collected the minimium payment for those 2 years, then charged my remaining balance ( XXXX $ ) with over XXXX $ of interest charges. The loan was then charged a monthly 29 % interest rate and I owe XXXX on the mattress today. My explicit instructions to the finance officer at the mattress store was to set my auto pay to be complete in 2 years, and I was not aware of a possible 29 % interest rate, as well as being charged for back interest. 

At no point was I contacted by the company, I never received a loan document, nor was I called or emailed. I have moved, but submit address change documents with the post office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Progressive Financial Services, Inc. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: To whom it may concern, My pay has been garnished three times by XXXX different debt collectors. The first 2-garnishment money was never applied to the loan. I made payments for 2 years from XXXX to XXXX of XXXX dollars. It was never applied to my loan and in XXXX I lost my job and could n't pay any more. My original loan amount was XXXX dollars approximately. When I got in position to make payments again the SL people wanted XXXX at once or they would garnish 25 % of my pay in about XXXX. This went on for years up to beginning of XXXX. I could n't pay because they kept saying the wanted the total loan amount and adding the interest to the principal and calling it the new principal never crediting the money paid or taken. I would have made the payments agreed on 25 years ago and paid it off. I could n't afford to keep paying them and not have the payments applied. So by adding XXXX dollars in fees and upping the principal by adding interest to it the total amount they wanted in XXXX was XXXX plus. Since then they have garnished XXXX dollars out of my pay. They waiting to steel my tax return next. If you can help I would like to have the total reduced, the loan taken out of garnishment and go back to the payments agreed on 36 years ago. They are using the fact that they are a government agency to steel false loan amounts. 

Thank you for your time, 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 07-02-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I tried to cash a check written to me by my husband from his Bank of America checking account. The account had enough money to cover the check to me and the funds were available at the time I tried to cash the check. I asked for the money to be in the form of a cashiers check. BOA refused to cash the check because I do not have a BOA account ; they would not put it in the form of a cashiers check because I do not have an account. The check was for {$27000.00}. They also claimed they did n't have the funds on hand to complete the transaction. This is a very busy branch located at XXXX XXXX XXXX in XXXX MA. I had the check, I had identification and my husband who was traveling for business went to a BOA branch in the state he was in to have their manager call the XXXX manager. They still would not honor the check. After XXXX minutes I left to go back to work and I was out of patience anyway. My husband continued to discuss the matter with the manager of the out of state office and finally the XXXX manager said they would give me a cashiers check if I came back. I could not leave work again to make it back before they closed and I had no desire to deal with them again anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Non-federal student loan) with Unisa, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XXXX / XXXX / XXXX  : Applied for a  Chase c ard and was denied for past negative " personal '' history with the bank, there were no negative reports from  Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied fo r a Chase card and was  denied for past negative " personal '' history with the bank, there were no negative reports fro m Chase or an yone else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied f or a Chase card and was denied  for past negative " personal '' history with the bank, there were no negative repor ts from Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Called local Chase bank branch to inquire about my personal report with the bank, they do not have info, refered me to cardmember services. I talked to  XXXX  at cardmember services who was unable to provide me with a copy of this report. I wanted to obtain a copy before I attempted to apply for another card. I do n't want to apply for a card and take a " hard pull '' on my credit report, if I will be denied for " personal '' reasons.  XXXX  advised to apply anyway, and then if I 'm denied ask to be reevaluated at which point they will do another " hard-pull ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Followup to complaint XXXX. 

I am at wits end with Experian. This is the third time I have submitted this request and not once has the issue been addressed. I keep getting the same boiler plate garbage although my request is totally different. THEY SIMPLY DO NOT READ!!!! 

Let me try again to explain what I need. XXXX please pay attention, because you keep closing the complaint without reading question nor answer. 

There was a dispute with XXXX CT XXXX because they idiotically kept sending notices to my old address one year after I had moved. This resulted in some rude incompetent collection agency harassing me. 

After contacting XXXX, I agreed that the amount ( {$140.00} ) was due but I have not paid them BECAUSE ( and please read carefully ) BECAUSE NEITHER XXXX nor EXPERIAN will accept responsibility for removing negative remarks from my credit report. They both say it is the other one 's responsibility. I AM CAUGHT IN THE MIDDLE. 

I will pay XXXX upon confirmation by both parties that they will agree to remove negative remarks from my record. 

IS EVERYBODY STILL FOLLOWING THIS??? 

Now, can I get an answer?

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Account opening, closing, or management

Complaint: My daughter applied for a auto loan and was pre approved for XXXX, to purchase a car. However Navy FCU asked her for her documents for employment verification. She provided the documentation, and her offer letter that she received from XXXX XXXX in the offer letter is stated you will be hired, contingent on your drug test and background check ). Well she passed XXXX and is working XXXX. She provided all of the documents they required XXXX bank statement, pay stub, offer letter etc ). 

The lady she spoke with at Navy FCU, stated they needed a COPY OF HER DRUG TEST RESULTS ON XXXX LETTER HEAD STATING SHE PASSED THE DRUG TEST AND SHE WAS HIRED. My daughter was so upset. She told them to close her account. My question is, is she working for Navy FCU OR is she applying for an auto loan!!!! Is this standard practice or do they only ask minorities for this information or people under XXXX this question, what does the drug test results have to do with a auto loan. This is not the end of this. I am going to get to the bottom of their customer service practices and this clearly should be investigated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with STERLING JEWELERS, INC. (VA).
Issue: Credit line increase/decrease

Complaint: I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the 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