milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 spoke with Experian on XX/XX/XXXX as well as XX/XX/XXXX. I noticed my credit report reflected two inquiries from XXXX XXXX (XX/XX/XXXX andXX/XX/XXXX ), as well as an inquiry for XXXX XXXX  onXX/XX/XXXX. All three of these I did not authorize. I explained to XXXX that the instructions on the site said to call them to dispute the inquiries. He said that he can only do that in " special circumstances '' and refused to transfer me to a US Handling Rep. I asked him why the instructions on the website are to call the number that lead me to his desk, and he refused to answer.

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 05-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the  Bureau  has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX refused to honor my dispute. They continue to false bill me for services that I never had. I had conversations with the agents regarding a XXXX account. I tried to educate the collector that the account was never XXXX. I was told " If you paid your bill you would n't be in collections. '' Agent refused to accept a dispute over the phone. I was told the dispute was to be placed in writing only. After speaking with XXXX my equipment was received om XXXX/XXXX/2015. I should not be in collections. Instead of listening the agency became abusive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not have XXXX in XXXX 2011

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Transunion that the XXXX account showing on my credit file do not belong to me. There may have been some mix up or Fraud Activity but this is not my account. I have contacted XXXX and they have not responded to me. So, I do not know how Transunion is getting this inaccurate information.

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 02-04-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Late fee

Complaint: I 've sent several payments in to Macy 's well in advance of my payment due date, but they keep cashing my checks late and charging me XXXX late fees. This has happened 3 times so far. I 'm really disappointed in this company and hope someone can have a look and see if this is happening routinely to 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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other

Complaint: In the Costco transfer from XXXX XXXX to CitiBank, existing XXXX customers were informed the balance transfer interest rate would reamain the same for the transfer balance. I was notified today that the interest rate on my ENTIRE balance ( new purchases and transfer balance ) went up to 25.49 %. I have disputed this rate increase with CitiBank, but frankly, do not expect a response in the next year or two. Customer service there is negligent and usurious. 

Is there recourse?

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 03-01-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I opened a new checking account on XX/XX/18 at XXXX Compass bank in XXXX XXXX. 
I was waiting for my new debit card to come. I recieved in mail my welcome to online banking letter and a letter with my pin # in it. But no debit card. I had set up online banking and a phone app at the branch the day I opened account. I noticed I couldnt log into the phone app for my banking so I called the bank to ask about my card and the app not working. The bank informed me that the debit card had been activated and my account had been cleaned out in a day. Several transactions had been done. 
The bank also asked me if I had called to change my # and email. I told them that I had not done this.No one from banks security ever called me to see if I had for a new account. 
I then followed the banks instructions about filing a police report. Filing a mail theft report with the postmaster online. 
Also I filled out fraud dispute forms with the bank about any transactions starting XX/XX/18 that were not mine. all from that date were not mine. 
The bank has informed me that they will not refund my money that they allowed to be stollen. They said normal use on account. Its a new account and I had no debit card.How could there be any normal use established yet.? 
Fraud department also mistakenly emailed me another banking clients personal dispute info. I would think they would check name before sending a clients personal banking info to someone else. But, if they allow criminals access to my money then obviously not very perfessional. 
XXXX has acted negligent in keeping my money safe and taking security precautions to ensure that and now are refusing to refund my money from new account. 
Someone please advice and help. Single Mom XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have an accont with bank of America, and I lost my phone and debit card. in the process my art was used. I reported the loss to my bank, and advised them that all of my passwords and information was stored in my phone so the charges that were used with my PIN number were not mine. The bank advised me that they would place all of it in the notes to review my claim.They then denied my claim stating that because my pin was used it was not a valid claim, EVEN though Advised them my pin was stole along with all of my other important information during the original report. They did n't call. or mailer send any mail to advisement of this, I had to find out on my own. nThey said they would resubmit the claim but it will take up to 90 days when it has already been XXXX plus days. I am a single mother and use my sons social security to help pay for his daycare and the XXXX dollars that I submitted my claim for has caused my account to be in the negative for too long causing my all of my money to be tied up into this claim, due to bank of America not taking proper notes or following the law when it comes to proper time lines.

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 08/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Received both subsidized and unsubsidized loans from XXXX XXXX for $ XXXX and signed loan agreements for 4.25 % interest. XXXX XXXX rolled the loans over to Navient. 
My payments are up to date.I have been paying {$200.00} a month for over 15 years. 

- They do not give you a way to pay more than the minimum amount every month. 
- At the end of the loan, the amount paid back above the principle was $ XXXX - Instead of the 4.25 % interest I signed for, they are charging 50 % interest which is illegal in every state. 
- When I called to try to find out why they were charging that much interest they sent me copies of a TIL statement that I had not seen and did not sign when I took the loan. 

This needs to be investigated and stopped. XXXX XXXX and Navient need to pay back the over paid interest. My loans should be fully paid after 15 years of making payments - but I'm still only half way through paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint: On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Usaa bank is in my mind committing the biggest act of consumer XXXX I have ever seen.You should be ashamed of yourselves. I got a letter from XXXX that investigated part of the issues and this is the second time they investigated and USAA has lied to them, And sadly, I have proof. I have two phone calls from one of your CEO telling me that USAA OWES ME NOTHING AT ALL, dated XXXX XXXX and XXXX XXXX. In letter to XXXX you stated in XXXX XXXX and XXXX XXXX that you were waiting for receipt of my medical bills for car accident. Which is untrue. You point blank told me in XXXX XXXX when I sent a 15 day demand letter over issues with BANKING, CREDIT CARD, AUTO and RENTERS INSURANCE, you told me you were gon na look into these matter, as of XXXX XXXX, nothing, not one issue was resolved or even addressed properly. You use your stall tactics well. I have phone records, faxes emails and the like to show all I have on my end to prove my issues are valid. But USAA Does not care if a customer complains cause you laugh it off. You have no state of grace. I never seen a company who operates under such false pretenses and I have heard my share of other USAA complaints form other former members and the fact that the issues are so similar scare me. Whenever there is an issue whether it be banking or insurance, USAA immediate response is to yell at the customer and make them feel bad. Usaa loves to use stall tactics and drag its feet so that it can use time to make the issue disappear without having to be responsible. Usaa uses standard policies to under mind its customers and pull rug out from underneath them. USAA does not return calls or letters or responses on time or ever in most cases, when it comes to handling a claim or having to respond or react to something and actually take care of policy or regulation issues. Usaa would rather spend money on keeping up false front then handling the banking and insurance issues they are suppose to. After all the issues we went through, with over XXXX policy issues not taken care of. And USAA closing bank accounts down and holding our money for months right after we were identity theft and that is just a few of the issues USAA has done. But after all that, after USAA refused to help get us a car when they were suppose to costing us over XXXX more money then needed. And after the XX/XX/XXXX car accident USAA had nerve to send letters begging we keep auto insurance policy active even though we did not have a car, so you could get your {$150.00} a month for NOTHING. You are quite simply worst of the worst. These issues will not go away until resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this account was originally a open end account lowes credit card and lowes uses GE money bank and was sold to attorney for collection dates where not verified with original credit holder and per the Alabama FCRA this is an open ended account and per statues 6.2.30 and 6.2.37, 3 years is the state of limitations my original confirmation number for this dispute with lowes ge money bank was 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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: after 4 years and AFTER my social UNsecurity number and other personal information was HACKED AND LEAKED by the incompetence of XXXX all of a sudden a debt collection for natcred in the amount of XXXX dollars showed up on my report no collection agency is going to wait 4 YEARS!!! to start collecting that is utterly moronic. all that XXXX AND Transunion did as far as an investigation goes is contact the debt collector for confirmation which 10 out of 10 they ALWAYS SAY YES. This is proof of a sheer lack of proper investigation and proper procedure on there parts. it illuminates how they never care about the consumer and that the consumer is always just a liar. when the fraud here and incompetence has been committed by XXXX leaking all my information to be used by real criminals. also XXXX has a bunch of incorrect information on accounts that were closed when I filed for bankruptcy BUT they have them listed separately because they refuse to do a proper investigation into those accounts and request the bankruptcy papers from the FL court it is not my job to provide these to them and I am XXXX they can request the info and READ THE FACTS themselves, which were cleared in my chapter XXXX bankruptcy of XXXX XXXX XXXX, XXXX and XXXX XXXX it has always been an uphill battle with these people and a waste of time they never, EVER!!! TREAT the consumer as a client we are ALWAYS considered criminals that do n't pay for anything. IM SICK AND TIRED of this ineptitude and lack of respect by these companies.

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