milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Other

Complaint: I reviewed my Credit Report on XX/XX/2016 which showed an XXXX point drop due to supposed delinquent bill with Macy 's. I phoned Macy 's customer service on XX/XX/2016. I was told I have a Macy 's account I was not aware of which which is linked to a Macy 's Credit Card I do possess. The Representative who assisted me explained that I had been charged late fees of {$23.00} per month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 for a bill paid in full XX/XX/2016. Macy 's Rep. was able to remove the fees and adjust my balance to {$0.00}. ( Which is not yet reflected on my online account. ) I have never received an online or paper bill from Macy 's ( on either existing account ) and when I requested a credit adjustment to my Macy 's account to reflect the account was NOT delinquent and properly reported to Credit Reports, I was transferred 3 times and told Macy 's was unable to make any adjustments and it would be necessary to make credit adjustment or correction requests directly to credit reporting companies. This is unacceptable and I would like delinquency payment removed and negative scoring removed from my credit reports.

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 08-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: Webster bank takes overdraft fees after XXXX electronic transfers were taken out after i purchased a book they took the money out again This has happened numerous times. These are not over drafted checks they are electronic transfers ' according to dood franks act you can not be charged for anyone under XXXX dollars they did this numerous times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Roboalls are from ERC. When I have answered the phone in the past all I got was instructions to call another number. CFPB has contacted the company before, and the company said that they have no information about me. But they still keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRY 'S ON MY CREDIT REPORT

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 12-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a copy of my credit report from Equifax on-line, but could not get it, so I mailed in a paper request with the required documentation. In XX/XX/XXXX Equifax contacted me and said they needed XXXX document from each of XXXX categories. On XX/XX/XXXX I wrote back that I had already provided XXXX document from each category. Then they never wrote back and never sent me a copy of my credit report. I am a victim of identity theft, so I need access to my credit report to make sure it does not contain incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: on XX/XX/17 I sent letters to XXXX, transunion and XXXX requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Experian a request to investigate some accounts in my credit report and they have not responded.

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 09/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. 
However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. 
I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. 
This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. 
MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called XXXX XXXX, and Navient, and XXXX XXXX, and Navient again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoke to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though XXXX XXXX and Navient have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Submitted information to TransUnion in regards to fraudulent inquiries on my credit report on XX/XX/XXXX. TransUnion states the inquiries in question would be taken care of in 10-15 days. I had to go through the same issues with XXXX and XXXX and they fixed the problem. Its XX/XX/XXXXand the issue has not been resolved through TransUnion.

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 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed XXXX XXXX XXXX with Experian on several occasions due to the numerous errors reported. Most recently, I checked the update of the last dispute to find that not only was the same information there, but that they are now being listed as a Collection in XX/XX/XXXX and XX/XX/XXXX. This account was paid off in XX/XX/XXXX. I called and spoke with an Experian representative on XXXX/XXXX/16 to find out what was going on and was told that this was the information reported from XXXX. I asked her how it could possibly be a collection in those months when it clearly stated it was paid and got the same response of how they can only report what they are sent, essentially making their " investigations '' irrelevant if all they are doing is reporting what they are given without actually reviewing it for accuracy. Since this call to Experian was made after speaking with the representative from XXXX, XXXX XXXX, I already knew that their stance is going to be that they provide the correct information and it 's the CAs that report it wrong over and over.

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 09-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: My Bank of America checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Bank of America transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Bank of America is determined to find some way to access fees from my accounts. This is the second time Bank of America has done this.

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 01/17/2018 about Mortgage (FHA mortgage) with EQUITY LOANS LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.

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