milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Omega RMS, LLC (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 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: From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Rewards

Complaint: I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax says my information was potentially affected by a recent breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (GA).
Issue: Problems when you are unable to pay

Complaint: When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I mailed written request for verification of alleged debt to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX. XXXX noted duplication on report and sent notice of removal of record regarding XXXX yet it remains on report. See attached. 

XXXX has failed to provide my dated signature for this alleged debt. 

This alleged debt is listed as being created in XXXX of 2009. According to statutes, the debt, alleged or otherwise, should be removed after 7 years. I respectfully request the alleged and inaccurate debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Deposits and withdrawals

Complaint: On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Bank of America 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a " hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what " check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring with Bank of America.

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF THE WEST (NE).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.

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 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them.

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 04/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I recently made a payment on a Citbank card that was due on XXXX XXXX. The payment was made on the due date, but for some reason was not credited to my account until the XXXX. I was then charged a {$25.00} late fee even though the payment was made on time, and a delay in processsing prevented the payment from being credited until the next day.

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 02-12-2016 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to them.

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 07-09-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction issues

Complaint: Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to LoanCare on XX/XX/XXXX. They told me I had to make a one-time payment for XX/XX/XXXX because auto monthly payments would not kick in until XX/XX/XXXX. In early XX/XX/XXXX, I made a one-time payment, which included {$5.00} late fee because I did not pay before XX/XX/XXXX, and I enrolled in auto monthly payments as well. The one-time late fee was supposed to be refunded because ( a ) it was impossible to make a payment before my loan was transferred and ( b ) they are not permitted to charge late fees in the first month. Contrary to what i was told, the auto monthly payments started in XX/XX/XXXX and I therefore made two payments in XX/XX/XXXX instead of one. I have asked countless times for a refund and they say the will, but never end following through.

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 12/22/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.

Company response to consumer: Closed with explanation