milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. 
The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. 
I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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: TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted TransUnion Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting.
The new laws installed  XXXX   XXXX , 2017 CDIA new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I spoke to manager,   XXXX   XXXX   at Transunion and she gave me her fax number to receive the news letter. Even after she read these new laws, she refused to adhere to them. I have the problem with the bankruptcy criteria that has not been met with reporting it to Transunion.   XXXX   XXXX   stated that although the criteria is not met, the item has to stay on my report. She SAW, the information in writing and STILL refused to help correct the situation.   XXXX   XXXX   stated that she saw the criteria on my report that the new law stated and I told her I had a copy of my report and it was n't there. She stated, " she saw it from here end and I would have to get a sapena to see what she saw '' ). So, I sent faxed her a copy of my report to show her. She did not acknowledge my report was correct. EVEN MANAGEMENT REFUSAL TO HELP IS ASTOUNDING! Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Transunion. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping.

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 01/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AL).
Issue: Using a debit or ATM card

Complaint: I went to Wells Fargo on XXXX XXXX, 2016 at the XXXX location in XXXX, AL. I used the ATM to make a deposit. I had XXXX check and {$900.00} in cash. I inserted the items for deposit and the ATM stated it would send my cash back after I got a receipt only showing my check for {$500.00}. I did n't receive credit for {$1400.00}. My cash was n't credited. 
I called inside of the branch and the CSR told me he could see my full deposit of {$1400.00}. I told him I do n't have a receipt showing this amount. He told me to come inside. I did. 
The lady, XXXX XXXX, assisting me pulled up my deposit information and she said she could see the full {$1400.00}. I told her my receipt which is time stamped XXXX is only showing {$500.00}. She said well there is nothing we can do. She said you will have credit at midnight. I told her I want proof. She was impatient and had a bad attitude at this point because I told her I wanted her name since she said I would have credit. She said well whatever and signed my receipt. This whole time there are other workers saying they ca n't wait for these XXXX hours to pass so they can get off. 
I checked my account and I did not receive credit for my full deposit. I had to drive XXXX hours to this location only to be presented with the same people there from the previous day. The male worker sitting next to XXXX said here he comes. She just looked up with an attitude. 
I told her I do n't have credit for my full deposit. She said well your deposit was done after XXXX. I told her no, it was XXXX. She said well it takes longer to process. And now my funds are still not showing. I went to the ATM to get same day credit because my deposit was done before XXXX. I was well within this time. 
My money got jammed in the machine. She said I ca n't get money out of the ATM to give to you. I asked her what was I supposed to do. I was told now to wait until Tuesday. It was cash and I was within the cutoff time frame. 
This has put a hardship on me. The CSRs at this location were no help and acted as if I was an inconvenience to them. I have bills that are due but am going to have to incur late fees on payments because no one showed enough concern to at least consider it an emergency and get my money back to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: The transaction that I disputed at XXXX XXXX for {$2800.00} made on XX/XX/XXXX was a fraudulent charge, not made by me. I was a victim of credit card skimming1 at XXXX XXXX XXXX in XXXX XXXX, New York. I have cooperated with police who have heard of many cases of skimming at the same location I was at. Credit card skimming is done while the card holder is still in possession of their card, so having my card of me while the theft happened can not be a reason to deny my claim. I was also made aware by a Bank of America representative that another reason my claim was denied was because I didnt call quick enough to report the fraud. To respond to this reasoning, the fraudulent charge was made on Saturday, XX/XX/XXXX and from speaking with a representative, I was made aware that charges cant be disputed until they are posted. Being that the following Monday, XX/XX/XXXX, was a federal holiday ( XXXX XXXX ), I was told the charge would post either Tuesday, the XXXX, or Wednesday, the XXXX. 
I initiated the dispute on Thursday, XX/XX/XXXX, a mere one day after I was informed the charge could post. Therefore, a reasoning of me waiting too long to call about the charge can not be valid. 

I have filed a police report and my bank denied me twice for something I did not do and because of it, I am extremely financial hardship that has resulted in me being evicted from my apartment.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: hello, my name is  XXXX   XXXX  and it is regarding a BMW account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agenci es ) .   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express Serve and XXXX has taken hundreds of dollars from cards blaming system glitch. Been over 24 hrs and they can not give time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: They started garnishing my wages up to amounts of 400 a month. I can not live with that much being taken out of my checks. I also received two letters yesterday with two different amounts with the same account number. I was never offered income based repayment. They offered that I pay a monthly fee plus what they were already taken out of my paychecks to get on a repayment plan. The cost would have equaled over 500 a month. I would get emails to defer but I 'm confused on what loans I 'm deferring if they were already taking all my money to survive from my paychecks. They are sending documents to my old address in Ohio which I have n't lived at in over 2 years and I have told them this. Again, how am I supposed to know. I am now under the assumption that I have paid to mich and the amount of financial distress put on me over the past year is sue worthy. The XXXX it 's put on me, my work, my life and how XXXX it made me when they made me feel like I had no other options. I want this made right. It 's disgraceful that a company treats people like this. I would work 7 days a week and would n't see my overtime because navient takes so much from me. This situation needs to be address and fixed and I need compensated for my money spent, which I have no idea where it went, my emotions, XXXX, XXXX, time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Customer service / Customer relations

Complaint: I am a Capital One cardholder. My payment due date is XX/XX/XXXX. On the business day of XX/XX/XXXX, I attempted to make my payment using the Capital One mobile app. The app, which has experienced significant challenge and seems inoperative much of the time, would not accept my payment. I next called the Capital One customer service department. I spoke to an agent and explained the reason for my call. He then told me he would be processing a payment but that I would get a late fee. I asked for a supervisor and received one. The supervisor told me that the payment was made by the previous representative and that I would be able to get the late fee waived. She specifically looked and told me the prior agent had processed my payment during the very call we were then on. 

The next day I called to make sure the payment had been made. When I found that it had not, I asked again for a supervisor. The supervisor explained that no payment had been processed by either the customer service agent or supervisor the day prior. I then made yet another payment. 

I want to make this complaint because it is in Capital One 's interest to improperly process payments. They make considerable sums of money on the late fee scheme. Had I not called in just to make sure, the payment would have never been made and Capital One would have surely notified the credit reporting agencies of my failure to make a payment on my account. 

Customer service in general is on the downward spiral, not just at Capital One, but everywhere. Extensive voice mail systems with prompts that go nowhere or do not address the issue and an over reliance upon one-way web site customer service is rampant and worsens with every day.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation