milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called Bank of America in XX/XX/XXXX stating my business is going through a Natural Disaster when one of my warehouses burnt down and I am spending my time fixing the situation. They notated that and from there I somehow accumulated 2 late fees. I pay via Autopay all the time via Minimum Payment Due. BUT with Bank of America they do not have that option so when the interest went higher my Minimum Payment Due went higher and the past 2 months I didn't cover it. 

I did not foresee it due to the Natural Disaster happening. SO I called them stating to remove the 2 charges and they said OK but it never gotten done I am writing to Consumer Finance to help me in this situation as they 1. Do not have an Autopay option for Minimum Payment Due to avoid this situation. 
2. I went through a Natural Disaster and Bank of America should have the consumer in mind. 
3. I overpaid the minimum and now making larger payments and Bank of America did not have this in mind.

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 12-07-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.

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 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Credit card protection / Debt protection

Complaint: Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed the creditor XXXX collection services account number XXXX has mailed me a letter stating they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX who than sold to XXXX collection and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. This misleading fraudulent delinquent account needs to be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with The Thomas Agency, Inc. (ME).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.

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 01/28/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent certified letter telling them to stop calling me and they are still calling XXXX times a day. This debt is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I took out my first private loan with XXXX XXXX in XX/XX/XXXX. Since then I have taken out a large number of loans ending in XX/XX/XXXX. I have a balance over 100k which I do earnestly intend to pay off once I graduate with my XXXX and land a job. This past semester I finished my XXXX and have been accepted into the XXXX XXXX ( same school, XXXX University ) for the fall. I am currently enrolled and should be eligible for in-school deferment. Today I was told by a Navient representative ( XXXX XXXX moved my loans to its sister company ) that I am 1 month away from a 48 month limit on in-school deferment for private loans. The problem is that my Masters Promissory Note ( s ) does not have this agreement. The various notes that I signed state that I have indefinite deferment as long as I am in school. <P/>*Below I have attached a sample promissory note saved back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PA).
Issue: Making/receiving payments, sending money

Complaint: My husband took out a no interest for 12 months credit account to pay for XXXX. The account is with synchrony Financial. They had the wrong address on my husband 's account through no fault of ours and we did not receive a bill for 2 months and was unaware of the wrong address until they called because the account was past due. It was discovered on that call they had the wrong address and sunchrony said they " would reset the clock and take away the late charges '' since it was not our fault. The address on the contract is our correct address. We did receive the first bill in XXXX ( should have been XXXX ) and promptly paid it but noticed that the length of time to pay interest free was not reset and stood at 10 months. We contacted synchrony, on XXXX and they said they would send a letter in 7 days with their decision. Well, we got no letter and when I called today I was told that the request was denied. I spoke originally with " XXXX '', then " XXXX XXXX '' and finally " XXXX - a manager ''. Today when I called I spoke with " XXXX ''. This is unfair. Our contract states 12 months interest free and now we only have 10 months through no fault of our own. This is deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Billing disputes

Complaint: I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

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 10-06-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Sale of account

Complaint: I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now

Company response to consumer: Closed with explanation