milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2016 about Other financial service (Credit repair) with Experian Information Solutions Inc. (MO).
Issue: Unexpected/Other fees

Complaint: I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : The inquiries are on my credit report which is attached.

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 04/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Money was not available when promised

Complaint: I did a money gram transfer for {$500.00} from money gram .When the receiver went to pick the money ; they mentioned the money is not available.I called them and I gave the reference number and asked what is the purpose they hold the money.One the agent saying that she will transfer me to another department.They put me on hold for more than an hour. They never pick up the line.I want to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 05/19/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with SLM CORPORATION (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This involves a closed " derogatory '' account on my Equifax bureau report.     The original creditor,   XXXX   XXXX   XXXX  , reported a past due credit card account to the Equifax  bureau  in  XXXX . In  XXXX ,   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This account has since ( and is currently ) reported as an " open collections '' on my Equifax credit bureau report under  XXXX   XXXX .     The problem that I have is that the original   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a   XXXX   XXXX   XXXX   " closed account '' and once as a   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice by one single account.     While Equifax did an initial investigation via a prior CFPB dispute, they determined that the "   XXXX   XXXX   XXXX   '' closed account as verified and it remains on my report. I am not disputing that I have a credit card collections matter with   XXXX   XXXX   XXXX  . But this matter is reported as an open account, "  XXXX   XXXX . '' Therefore, per the " double jeopardy '' credit reporting statute, the original "   XXXX   XXXX   XXXX   '' closed account should not, simultaneously, be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Payday loan debt) with Global Trust Management LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: recieved a voice mail around XXXX am XXXX/XXXX/XXXX Some lady said i had been issued a claim by a office booked agsist me. 
She just gave me here name that she had paper work for me to sign and she would come to my home for my signatjres. 
Let the same voicemail to my spouses phone about this. 
The end of the voicemail she gave me a XXXX area code saying to reach the booking party personally for more unforamtion on the legal actions being made. 
I called back twice before XXXX and lady answered ask my purpose told lady i was told to call for mor info. 
She asked my name then to verify my D.O.B. 
From there said the loan company name is pressing a summons for what i owed. After she said i can either make some payment o r proceed to that action. After i told her i wan na speak with my lawyer for how her approach was made

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa violation sent police report taking more than 30 dats

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: unaccurate, not correct calulation, bad on math anyway u want to call it. this is for santander XXXX financing my car case number # XXXX my email XXXXXXXXXXXX OR XXXXXXXXXXXX cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Deposits and withdrawals

Complaint: I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much,

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 03/31/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX XXXX , XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to

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 08/14/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CO).
Issue: Trouble during payment process

Complaint: I have not been able to get the mortgage company ( Fay Servicing ) to pay my Abatement Contractor. The work by them is complete and the mortgage company has had the funds for 2 months now. The contractor is getting ready to send us to collections and have added interest to the amount owed. I have been on the phone at least once a week with my mortgage company and have only been told it is in review or they need to inspect the work, but have not set up an inspection date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any information regarding a credit card through XXXX and I have never had a credit card through this company. Collection company has never given me any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XX/XX/XXXX - We sent a fax to close a secured XXXX credit card account with XXXX XXXX. Verified fax was received. Requested a refund of {$500.00}, the secure holding. 

XX/XX/XXXX - XXXX XXXX authorized to release fund, according bank representive. 

XX/XX/XXXX - Spoke to representative at XXXX, who stated funds were authorized to be released, but could not give me a date as to when. 

XX/XX/XXXX - Spoke with a supervisor at XXXX XXXX, who sent out an in-house email to find out when funds will released. She said to call back Friday XX/XX/XXXX to get an update. 

It has been 100 days since XXXX XXXX was requested to close account. I do not feel confident that I will receive a refund with the run around I get when call to get an update. My husband also requested to close his account the same day and has received his reimbursement already.

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