milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Other

Complaint: Contacted Synchrony Bank regarding my Sam 's Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. 
On XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam 's account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam 's account. 
Called the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam 's website said posted. The {$3300.00}. payment from my husband 's account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. 
After calling no satisfaction and said I would file a complaint

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

Complaint: Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with N.A.R., Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with DISCOVER BANK (VA).
Issue: Transaction issue

Complaint: I paid some bills yesterday from my Bank XXXX XXXX XXXX ( routing # XXXX, account # XXXX ) yesterday XXXX XXXX. I intended to pay my Mortgage XXXX ( act # XXXX ) for {$2200.00}, but when I checked today on line, by bank XXXX XXXX XXXX instead paid my Discover Card ( account # XXXX ) with a confirmation number XXXX. I called DiscoverCard today, talked to a XXXX in Billing department in Delaware, and XXXX said 1 ) she has no record of ever receiving the {$2200.00} and 2 ) that there was nothing that she could do. In other words, the {$2200.00} vanished into thin air!

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I 've been blacklisted with Chase for no reason. Now, when I apply for credit, I get automatically denied. I have no recourse as to how I can rectify this with them. I feel this is discrimination as I did nothing wrong. I was never late on any payments. I always paid my cards on time. I was approved for every card that was issued to me. Then one day they closed all my accounts and have blacklisted me since. There was no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX College and had a loan with XXXX XXXX who is now Navient. I have been receiving calls from Navient but also have had written communications with XXXX. XXXX offered me a lower monthly payment which I was paying but I am still receiving calls from Navient saying that my loan is in default. Recently I received a call from XXXX XXXX who works for Navient, she told me that I have to pay a minimum down payment of {$6000.00} in order to catch up and a monthly payment of {$250.00} thereafter. I explained that I am not able to pay that amount and she proceeded to tell me " I ca n't tell you how I know this but I know that your father is able to help you with this down payment ''. I do believe that if she is able to view my father 's credit card availability, THIS IS NOT LEGAL. The same day that she called me she also called my father on his job and told him that she is looking at his credit card availability and so she knows that he is able to make the {$6000.00} payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a phone call from XXXX XXXX stating that I owe {$820.00} to a loan company called XXXX XXXX XXXX. The representative I spoke with did not provide me with a disclaimer stating this is an attempt to collect on a debt and she also recorded the call without providing any notification that the call was being recorded. She stated that this account was still on my credit report and that it had not been paid. I advised her that this account was no long on my credit report and the information she provided to me was inaccurate. The representative proceeded to tell me that I filed bankruptcy in XX/XX/XXXX which is also incorrect. I filed bankruptcy in XX/XX/XXXX. Then the representative proceeded to tell me that I opened the account in XX/XX/XXXX however the account was actually opened in XX/XX/XXXX. I repeatedly advised her that the information she was provided to me was inaccurate and she continued to repeat that I still owe the debt. Said representative proceeded to tell me about other companies that are sister companies to her company that I had filed bankruptcy on previously. She received my updated information through a current loan application with a company that is also her sister company that I was unaware of. I did not give permission for my personal information to be shared with this collection agency or any other outside source. I have disputed this information before and they have continued to keep it on my credit report. The information that I was provided by the collection agency was as follows : an account number, which does not match my credit report, XXXX. The account number that is on my Trans Union credit report is ending in XXXX with an open date of XX/XX/XXXX. There are five additional accounts from the same collection agency that have been removed from my credit report that were included in bankruptcy back in XX/XX/XXXX. There is one account that was also included in bankruptcy that has still not been removed that I have repeatedly disputed. XXXX XXXX agency is in violation of the FCRA and FDCPA. I was also told that if I wanted to dispute this account that I must come in person to address XXXX XXXX. XXXX XXXX in XXXX XXXX Oklahoma which is also incorrect. I have since received another phone call from the same collection agency on XX/XX/XXXX from a representative by the name of XXXX XXXX XXXX XXXX  cst in which I have a voicemail recording of. Previous complaint from XX/XX/XXXX went unanswered by XXXX. XXXX has also continued to run a credit check several times without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XX/XX/XXXX, XXXX XXXX reported a hard inquiry dating back to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (RI).
Issue: APR or interest rate

Complaint: I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (GA).
Issue: Fraud or scam

Complaint: I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Three months ago I disputed bankruptcy and lien information that is listed on my credit report, Equifax listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i paid more then the minimum balance and it 's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX XXXX XXXX, FL XXXX SSN : *********** | DOB : XX/XX/XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that XXXX also provide a public response.

Company response to consumer: Closed
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.

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 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation