milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XXXX XXXX, XXXX I was approved for a discover credit card for students. As a newly adult attending college I figured this was the best card with the best opportunities for college students. I was excitedly anticipating my card getting delivered and it was received today on XXXX XXXX, XXXX. I called to activate my card since I could n't online, they passed me through several departments and the last one I spoke to was a women with a southern accent, I however did not remember her name. The minute she answered me she began to misgender me. She referred to me as Sir and Mr.. I was quite offended and my cousin being in the same room as mine and overhearing what was happening looked concerned. She ended up taking the phone from me and correcting the women, telling her to refer to me as Mrs or Ma'am, because I am in fact a women. The women on the line got very quiet, I proceeded to take the phone back and attempt to continue to activate my card because I no longer wanted to speak to her and wanted to get this over with. She then said she was going to call me back with the number I had provided on my application and I never received a call. I called Discover back and they said my account was being reviewed. I understand the confusion that comes from hearing two different voices, however she clearly misgendered me and threw me completely off balance. I have never been misgendered over the phone and I will continue to be offended until I receive a formal apology and proper help to activating my account. Now my activation has been delayed for another 2 days and I will be expected to be on their schedule when my own schedule is already filled with school and work.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.

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 07/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Late fee

Complaint: For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.

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 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Auto debt) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.

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 07/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: I have been trying for over 2 months to contact someone from Bank of America to investigate why my account was charged for over 5 years a service fee each month when I had an automatic deposit over XXXX $ each month. I can not get thru to anyone. I am constantly redirected when I finally speak to an individual they redirect me back to automotive system! Ye

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: OnXX/XX/XXXX TransUnion received a dispute letter from me ( see attached letter with certified mail return receipt : XXXX ). I was then notified by TransUnion that because I had contacted them previously, they would complete their investigation before or on XX/XX/XXXX ( see attached letter from TransUnion XXXX XXXX ). I have not received any communication from TransUnion regarding this dispute. This seems to be a violation of FCRA and Texas state law.

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 08/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB : My loan number is XXXX and is presently with Ocwen Mortgage. 
Originally the mortgage was with GMAC mortgage, and the principal loan amount was {$280000.00}, initiated XX/XX/XXXX. 
I fell behind due to several reasons, mainly financial burdens and inability to make payments on time around XX/XX/XXXX/XX/XX/XXXX. 
I applied for a loan modification under the new Obama plan and got approved after XXXX months with a lower payment but with a huge increase in my principal amount owed. It went to {$360000.00} or so. I complained and requested details from GMAC, did not get any reasonable response except that they were due to consolidation of loan. 
The loan was then acquired by Ocwen ... was remodified after me paying around {$18000.00} total in cash to both Ocwen and GMAC. 
My principal is now almost {$440000.00}. I have approached on phone several times and have no reasonable explanation for the loan to go from {$280000.00} to the present {$430000.00} inspite of paying for the last XXXX years. 
CAN YOU PLEASE HELP. I am still behind because of these reasons and these practices of GMAC and Ocwen. 
XXXX XXXXAddress of property : XXXX XXXX XXXX, XXXX XXXX, XXXX USAThe property is lying idle, since I had to move for job purposes to XXXX. It gets rented often, but is now vacant. I would like CFPB to help. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.

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 02-02-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MO).
Issue: Account opening, closing, or management

Complaint: I applied for a credit card at Chase Bank. They needed additional documents to verify my information. The first letter indicated that they needed my photo ID and proof of residence. I sent them my passport and utility bill. A while later, I get a later saying that they ca n't read my passport. I call to ask why that 's the case. Turns out, they need my social security number verification. My passport photo was actually fine. This was already one month into the application process. I send them a fax of my social security card. They swore that they received it. I call 3 weeks later because I still have n't heard from them. They then say they never received it in the fax. I send them one in the mail. I call them on XXXX/XXXX/XXXX ( I applied for this card around XXXX time XXXX ). They tell me that I will find out about the status in 1-2 weeks. They are legally obligated to tell me whether I got rejected or accepted. I do n't hear anything on XXXX/XXXX/XXXX. I call the bank again. The gentleman checks the status, says that I have been rejected because they could n't verify my information and the application has been closed. I ask if he can send me a letter explaining why I have gotten rejected. He says he can not. I told him he 's legally obligated to do so. He says yes he is, but he still wo n't send me a letter. I asked to speak to his manager. He said his manager is unavailable, so he will call me back. I did everything I can to apply for this credit card. I have a superb credit score - XXXX. I have a credit card through XXXX XXXX XXXX. I pay my bills every month. I deserve a reason why the incompetent bank can not verify my identity even though I followed every single step they have asked me to poorly communicated with me to do so. I had to call them every week to check the process because they were very unhelpful with the application process. Every step of the way, they were n't clear what they needed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Payday loan) with BTH Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' payday loan claiming it was opened XX/XX/XXXX for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.

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 11/24/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo Student Loans : I am a recent college graduate paying back student loans. I have XXXX in total all different lenders. Wells Fargo does NOT work with you. I have been late on my payments due to not being able to afford paying back my student loans at times. 

Issue causing distress : * Wells Fargo immediately reports a late payment to the credit company if you are a day late with payment ( other student loans do not do this you have a 30 day grace period before they report it to credit ) *I will call in and tell them I ca n't make my due date but can make the payment the next day and still get a late payment sent to my credit. 
* On top of the late payments being sent to credit if you are past your due date they will call you 10+ times a day every day ... even if you answer the phone to tell them to notate your account that a payment will be made on a given day they say " this will not stop the calls '' and the calls continue to happen until the payment is made. They will also call your Co-Signer and your Co-Signer will get the 10+ calls a day ... my grandma can attest to this. 
*I had also requested an automatic payment form to be sent to me at least a dozen times before I was adamant to stay on the phone with a rep until it was received in my inbox so I can fill out and send back ... 

I do n't believe Wells Fargo is fair with their lending. Student Loans should not affect your future. Lenders should be willing to work with you they should be for your future and not against it because they want to make a {$.00} I do n't believe it 's right for a student loan company 's ( this one in particular ) to report a late payment to the credit company a day after their missed due date just to affect their credit more when they are trying to work with the lender to make their payments. They should have a grace period like other student loan lenders. It sets students up for failure in the future when it comes to applying for homes or other things that matter in life ... it 's hard enough that we have to go to college pay {$50000.00} + to graduate and have to re-pay that back right away job or not and not have a lender work with you on payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Auto debt) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Delinquent on account due to husband losing job and only my income to support a famil y   of 3. Honda fina nce company called references and disclosed information they should n't have. A reference should not know that they are being called in reference to someone 's debt. I had called them later and set up payment arrangement for  XXXX ,  XXXX , and  XXXX . When I called to ask them not to call my references, rep advised me that they would continue when they could not get a hold of me. I advised her that if I ask her not to call she should notgoing forward. Instead of listening rep was argumentative the entire time even though I had previously made arrangements and then told me " well you are driving around in a car you are not paying for and we need to know where our car is ''. I asked rep if they had a centralized complaint line so the I could voice my concern but she said no. They are a huge company, very surprised they do not have a department that services complaints or compliments. Everything I said to the rep, she had to counter with something and made me feel like my vehicle with the subtle comments she made. Today  XXXX / XXXX /  XXXX  , I have again received another call  from Honda ev en though I have payment arrangements set up on my account for  XXXX  when I get paid. I have saved the voicemail and am looking in to contacting an attorney as in the voicemail that is also generic and does n't list my name, the rep asked for a callback so I can let her know my intentions with my vehicle. That to me is another subtle hint of reposse ssion from Honda. I h ave had  XXXX  loans with  Honda  but after this loan I will not do business with them ever again and will not refer them to anyone either. I feel that they are violating the Fdcpa. Also if listening from just rep end, you would n't have realized that I said up arrangements on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Prepaid card (General purpose card) with U.S. BANCORP (WV).
Issue: Managing, opening, or closing account

Complaint: I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Delinquent account

Complaint: I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Unable to receive a breakdown of additional fees charged for reinstatement

Company response to consumer: Closed with explanation