milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other fee

Complaint: JCP Payment Screen/Account Summary ( first screen once logged into account ) is deceptive and has cause me financial harm, thereby being abusive by CFPB terms. 

There are XXXX choices to choose from to make a payment, non of which state that your account may be delinquent. Per the representatives that I spoke to today, XXXX/XXXX/2017, ( lastly was XXXX in collections ) my account was delinquent even though my payment history would reflect otherwise. My monthly amount due went from {$68.00} to {$190.00} due to being " delinquent '' - something I only found out by calling and speaking to both representatives. I had been charged XXXX late fees {$37.00}, {$37.00}, {$27.00}. I was told that I missed my XXXX payment, however in XXXX I made XXXX payments to correct the missed payment as I did not know that I had missed the payment. 
I was never advised that by doing so, I would still not be bringing my account current. I have been using my card without issue once payments have been made. Per the account payment screen, if I click option XXXX, I make my minimum amount due payment- which I do monthly. 

I believe that the " delinquent amounts '' should be shown on any XXXX of the XXXX lines of options to pay each month. 

While XXXX did waive XXXX of my late fees, I am still very dissatisfied with the fact that I had to make a {$59.00} payment over the phone to bring my account " current '' and no where on my account page did this amount show past due. 

I have been a loyal customer of JCP for years and I feel taken advantage of and sadly believe that the only reason I had XXXX late fees waived was because I understand UDAAP and was able to explain the Deceptive and Abusive features of their online payment system. For others without this knowledge, I fear they are being taken advantage of. 

I am very unhappy and will no longer be shopping at JCP. I will work monthly to pay off my account. I was told by both representatives that they would place a " complaint '' in their system. 
I too am placing a complaint with the CFPB to ensure that this abuse does not continue and harm others.

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 09/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX performed an unauthorized inquiry of my credit file on XX/XX/2016. I have a voicemail saying they took it upon themselves to pull my credit. I did not authorize this inquiry, and would be happy to play the voicemail for CFPB or XXXX. I disputed this inquiry, yet XXXX has not removed it from my credit file. During the dispute process ( XX/XX/XXXX ) someone at XXXX made a mistake and switched my current address with my previous address, now the address section of my personal information file at XXXX is incorrect. My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. My previous address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. Until this point, XXXX, along with XXXX and XXXX have been reporting my address correctly ( photo attached ). I have enclosed an XXXX research request form provided by XXXX that has my current address wrong. Also enclosed is my current address as previously reported correctly with all three credit bureaus. Additionally, XXXX utility bills with my correct current address are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempt to get free annual credit report and unable to get it online. I called Equifax and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I graduated from XXXX school in XXXX XXXX. At that time I did not have a full time job due to having to do my required XXXX hours for internship. I was working as a XXXX for XXXX XXXX XXXX. When I received my notification that my loans had been bought by Navient ( they were in deferment with the other agency ) I contacted them immediately to see what my options were for repayment. They sent me a statement that my loans would be more {$900.00} a month. I contacted them again and stated that I was currently seeking full time employment and wanted to know again what options I had for repaying the loans because there was no way I could afford the current payment plan they had sent me. I waited for 3 months ( attempting at least once a week to get someone to let me know what I could do ) and never got an answer. I noticed that my statements stopped coming during that time. I called them back on final time and was told that my loans had been approved for unemployment deferment. I stated that I was currently doing XXXX for the XXXX at XXXX XXXX as a XXXX and they stated that XXXX work does not qualify as XXXX employment. When I was offered the job with XXXX XXXX XXXX as a XXXX in XXXX of XXXX I contacted Navient and asked what options I had once a gain and I was told that my loan was in deferment and I could either make interest only payments or I could let it stay in deferment until I found out if our center was going to shut down or until the unemployment deferment was exhausted. I asked how long that would be and they stated that my loans would come up for repayment in XXXX of XXXX. I was ever given the opportunity to do any type of income based payments or anything. I was n't told that I could stop the unemployment deferment or that you only had 12 months in the lifetime of a loan to have it under unemployment deferment. In XXXX I started receiving statements again and by this time we had been notified by the DOL that our center was going to close and our last day to work would be XXXX XXXX, XXXX. I contacted Navient and filled out the forms online to see again what my options were and they denied me any type of help. No income based repayment, no deferment nothing. I have gotten to the point now where I am looking at trying to file bankruptcy ( which I/m being told is next to impossible when it comes to student loans ). I do n't know what else to do. I am currently drawing unemployment and looking for a job but Arkansas is not the best state to find a decent paying job. I have XXXX school age children and with the normal monthly bills there is no way I can make a $ XXXX a month student loan payment. I have been told that in extreme cases student loans can be forgiven or put under a bankruptcy so I am hoping that the fact that I have barely any income and if I paid that loan payment I would be homeless and could n't feed my family is extreme enough.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit report was listed as part of the 143m credit reports that were affected in the Equifax breach reported yesterday. 

The company has admitted to the breach and started that they " deeply regret '' the occurrence. I believe that they knew about this well in advance of the announcement, and their gross negligence in identifying the breach is nothing short of criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Transaction issue

Complaint: For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.

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 03/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have sent in XXXX IBR ( income based repayment plan ) applications. XXXX were denied as incorrect, XXXX were " lost '' and simply do n't appear or were simply not responded to. I finall got them to acknowledge they received on on XXXX XXXX 2016. I talked to operators XXXX and XXXX. 

the call to XXXX was disconnected while she put me on hold. 

The call to XXXX resulted in her stating that they ca n't give me a mandatory deferment, because " there 's no breakdown. ". 

I think right there is a violation of honesty and law because the definition of a mandatory breakdown is that if you are qualified they MUST give it to you. 

I asked what a Breakdown is, and it turned out that they want paper documentation of my income although they already had a faxed copy of my income as Of XXXX XXXX ( verifiable with XXXX receipt. ) So I guess my complaint is : 1 ) On XXXX XXXX, on or around XXXX XXXX XXXX XXXX initlaly lied about the availability of forbearance. Mandatory forbearance is available. 

2 ) When I told her there is something called " Mandatory Forbearance '' is available, she said " You ca n't get it because there 's no breakdown. '' Which is also false. 
I could get it, she admitted after I asked her what a breakdown is ( paper documentation of income ) that it was available. 

But Navient goes further and make it deliberately difficult to get the form required. She would not email me the form, nor admit that the form is easily available on their web site. 

She said I have to wait 24-48 hours until they place the form onto the web site, and then log on to my account to get the form. 

The choices below are naive -- " Having problems with customer service '' really means " Executives are deliberately putting in place obstructionist procedures. '' Their malfeasance in order to deliberately " string out '' loans to collect interest longer before the 25 years forgiveness may amount to fraud against the Federal Government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with Automatic Data Processing, Inc. (SC).
Issue: Making/receiving payments, sending money

Complaint: My employer uses ADP as a payroll service - ADP made an error on my paycheck. I was sent an " A LINE '' card to have immediate access to funds. When trying to contact the " customer service '' within ADP A LIne card - I have been on the phone for over 3 hours trying to determine how I can access my money. I was told direction by one rep - than was completely contradicted by another. I was then told I would have someone call me back in 3 -5 days with an " escalation ''. There was literally no recourse, no superior, nothing other than I would be called back within 3 - 5 days. Meanwhile, I have 0 access to {$3200.00} that is currently floating somewhere in cyber space. UNACCEPTABLE. Meanwhile I am racking up funds from my bank for my checking account being below a threshold, and automatic payments will be bouncing. I can not believe I have been sandbagged so completely and that these practices are lawful nd acceptable, 3 -5 DAYS - and I may get a phone call back! ADP - the worlds largest payroll company, a Fortune 500 - AAA Credit rating etc ... in 2017 this is the best you can do???

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (MD).
Issue: Managing the loan or lease

Complaint: My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.

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 02-08-2017 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Settlement process and costs

Complaint: We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have continued to receive collection notices from Comenity Capital Bank due to an ongoing billing issue that I have tried to resolve with Zales. In XXXX of 2017, I made a purchase with my Zales credit card. Prior to making the purchase, my zales account was setup for automatic payment which was linked to my credit card. So when I made the purchase I was under the assumption my account would be automatically deducted. Two months later I received a call that my account was in collections which should not have been based on my Zales account being setup for AutoPay. The n I was contacted by a person from Comenity who was extremely rude and would not waive any late fees because of the issue. Then I filed a complaint with Zales Corporate office and a BBB complaint multiple times and did not receive any resolution. The supervisor stated he would reach out to Comenity Bank to have them contact me to resolve the issue. I paid the entire balance off and my credit score has dropped when I did everything right to try to resolve the issue.

Company response to consumer: Closed with explanation