milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/AMAZON on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Long story short my mortgage was purchased by Green Tree Financial from XXXX XXXX XXXX and Gree Tree Financial did not honor the existing modification from XXXX XXXX XXXX. Green Tree Financial is now forcing me into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was called at work to be informed that a company had sealed documents to deliver but they had an old address. They gave me a phone number to call,  XXXX and a case number  XXXX . This was regarding credit card debt from many years ago. All of my debt was legally discharged in a Chapter  XXXX  Bankruptcy Filing in Arizona with the  Federal Bankruptcy Court i n  XXXX   2016 . The collector said i was about to be sued  ( even though my debt was discharged ). I gav e them my attorney 's information and will report them again if they try to contact me after this. They refused to give the name of their agency and just gave me first name  XXXX , then someone named  XXXX   XXXX . Other websites identify the phone number as   XXXX   XXXX   in New York

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I tried to charge my chase credit card at XXXX on XX/XX/XXXX for hotel stay but it got denied because Chase thought it was fraud. So, I paid the vendor in cash as per his request and was granted admittance into the hotel. 

Later on, I got a text from Chase that stated : " Chase XXXX We declined {$450.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/01. was it you? If YES text 1, NO text 2 '' I only responded to that initial text the next day or XXXX hours after I checked into the hotel. I responded 1 because I wanted to use my card while in XXXX. 

I then received the following text : " Chase Thanks. The Transaction was not completed. If you want to make the purchase with this card, have the merchant reprocess the transaction '' ( see attached screenshot ) I never had the merchant reprocess the transaction, I never gave the merchant my credit card after it was declined, I never authorized the merchant to charge my card again. Because the text said that the " transaction was not completed '' I didn't think I needed to call my credit card company while I was in XXXX nor worry about the transaction. 

When I arrive home and check my credit card account I see that I was charged on XX/XX/XXXX {$430.00} from XXXX XXXX XXXX XXXX. I immediately contact Chase and filed it as fraud on approximately on XX/XX/XXXX. 

Several weeks later I'm told that this is not a fraud case and it was transferred to the Chase dispute department. I never received a receipt for my cash payment nor did I think I needed to keep any documentation because I never reauthorized the merchant to charge my card. I lost the dispute with Chase. 

In addition, I am in XXXX XXXX and Im sure this happens to people all the time where their credit card is initially denied. I tried reaching out to the hotel via phone and email and they never responded back to me. 

This is not a case of a duplicate charge this is a fraudulent act by this hotel to get an additional {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. 

Banks use what ever means they can to steal money from us hard working Americans and this needs to end.

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 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, XXXX AND EXPERIAN '' ; filled out the form, and the first credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS 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 non-monetary relief
Consumer complaint received 03/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Arbitration

Complaint: I had been calling Amex for months to say that a charge ( {$5.00} ) was being billed every month by a company that I did n't recognize. Every month, they would say that they would credit me the funds and the vendor would be blocked from charging further. Every month, I would need to call back. This morning, I called to try to resolve the issue once and for all. I spoke to 17 people from the XXXX to XXXX to XXXX. As always, their front line personnel had made an error and no one has been willing to resolve the issue. I made 47 attempts today alone and I was either disconnected or told that there was nothing they could do. They claim that they do n't keep notes from previous conversations. Basically, they are blackmailing me - I must pay my bill in full, but there is no room to discuss the fact that there was a huge error with my account. The agent cancelled my card after she specifically told me that she would n't and refused to provide a replacement card. Her comment was that " I should n't have complained about a {$5.00} charge if I did n't want to be inconvenienced. '' It ca n't be that they can bill you for anything and everything, you have no right to dispute and then if you do n't pay your bill, they ruin your credit. This is a distinct pattern with Amex - all calls go overseas, the front-line personnel are not professional, do n't understand what you are saying, continually make mistakes and provide customers with erroneous information and then a customer has no where to go to lodge a legitimate grievance or complain. I have also tried going on-line with a customer service agent. The response was that " they could n't assist me - I should call! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Weeks ago I called and reported a list of unauthorized transactions : " I did not make these charges : XX/XX/XXXX Auth : XXXX XXXX {$19.00} Completed Transactions XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$120.00}XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$110.00}XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$260.00} XX/XX/XXXX XXXX XXXX Il {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$150.00} XX/XX/XXXX XXXX XXXX Ny {$160.00} '' The balance at the time was more than {$2600.00}. That 's what I expected to be replaced. Today I get a check for {$230.00} with no explanation where the rest of it is.

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 12-12-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.

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 09-12-2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX of 2015, a company named Equitable Acceptance contacted me in regards to consolidating my student loan debt. My understanding of the agreement was that my student loan would be consolidated and paid off. My payment would be {$39.00} a month. For the past year, I paid the {$39.00} a month with no problem thinking that my student loan with the US Department of Education had been paid off. I recently found out that this was not the case. I contacted the US Department of Education and found that I may have been scammed. At the moment, my loans have been consolidated with the US Department of Education and I 'm currently making my monthly payments. I have stopped paying Equitable Acceptance. According to my last statement I owe them a balance of {$1100.00}. I feel this company took advantage of me and am going to seek legal advice as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Bank Of America XXXX XXXX is deny me a credit card to help with my credit

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On the XX/XX/XXXX I had summited 2 payments on accident to Wells Fargo from my XXXX XXXX XXXX both of {$800.00}. On the XX/XX/XXXX i received my tax refund of {$1200.00}. I realized that I summited 2 payments of {$800.00} knowing that I did n't have the funds so i went inside Wells Fargo in XXXX, CA and explained to one of the bankers of what had happened. We called the card company to ( i have the wells Fargo college card ) and explain to them what had happened. They told me they were going to do a refund of the amount and stop the process of one if the {$800.00}. Reminder in my XXXX  account there was a post of {$1200.00} to be exact in my account. Wells Fargo took out the {$800.00} leaving my account of {$490.00} which is correct. Later that that i receive an over draft fee for {$28.00} which i kind of figured would happen since I did accidentally try to send two payments of {$800.00}. Then on the XX/XX/XXXX my credit card had a refund " payment reversal '' and i called on the XX/XX/XXXX after seeing that, to see what happened. the lady had told me that when i called with the banker they requested for a refund of the {$800.00} and the stopping of the 2nd {$800.00}. She then explained to me that i would have to wait the 5 business days for the money to be refunded into my account. On the XX/XX/XXXX I had checked all my accounts and nothing was posted of the {$800.00}. I called and the gentlemen i had talk to said the {$800.00} will be in my account by Friday XX/XX/XXXX because it could take 11 business days to process since its going to an outside wellsfargo account. I checked my accounts again, did n't see the {$800.00} posted anywhere so i called wellsfargo. The guy had told me that they never received any of the payments, i explained to him what had happened, and he just said that nothing was ever taken out of my account due to insufficient funds. I told him that the first XXXX was taken out but the 2nd was n't and how i went to talk to the banker. He then told me that i never had the XXXX even though the XXXX was posted on the account. I then called XXXX XXXX XXXX to figure of what happened to the XXXX since wellsfargo wanted to say i never had XXXX and the lady told me that i already had pending transactions leading into XXXX which did n't make since because i did n't use my card for a good week or so. how there was exactly {$800.00} missing from my 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 explanation