milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with National Commercial Services, Inc (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Originally contacted by XXXX on XX/XX/XXXX regarding $ XXXX owed due to auto accident I was involved in two years prior. Representative XXXX advised if I did n't pay immediately that I would lose my license. After calling back we came to a payment agreement because I was scared to lose my license. I was not made aware of my rights in disputing this debt and it has taken several calls to get any type of straightforward information from this company. 

At present time I am still not clear on what my rights are as this is a bogus medical claim from an accident that occurred two years ago. I was never contacted by the auto insurance company XXXX that they were pursuing subrogation, nor was I ever contacted by the other parties attorney 's XXXX XXXX XXXX It has taken 3 months of dealing with XXXX to put together enough information to dispute this bogus claim. 

On our original contact XXXX gave me the false impression I had to pay XXXX immediately to avoid losing my license. In follow up conversations that amount was lowered and I was put on a payment plan I never would have agreed to this payment plan without being given false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with U.S. BANCORP (KY).
Issue: Late fee

Complaint: I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I reached out to capital one to advise them of an charge that had taken place on my account. I was told by the merchant that has caused the pending transaction that it could n't be stop and I should reach out to the card holder directly. Which landed me with the rudest off shore agent I had EVERY encountered named " XXXX '' XXXX. He did n't attempt to help me at all when asking questions he repeated the same dialect repeatedly. I asked that he please not say the same thing again and thats when it started. He said that I was n't listening and if I payed attention their was nothing he could do. While I was talking he continued to talk and when I got louder so did he. He was yelling and I said that you dont get to yell at me I am the customer. He in return advises that I was talking loud so, so could he. He continued to rant as I advised him of his horrible service and the fact that he was being very unprofessional. He said I can talk to a supervisor because they are going to do and say the same thing basically. After I advised the agent of how disrespectful and nasty he was he said thank you so much ma'am for that, and anything I said after he was purposeful attempting to get a rise out of me. I could n't believe this was happening so then I made the suggestion he get the supervisor as he mentioned before. When I was transferred I still was in disbelief of what just occurred. I had never felt so disrespected by any company and truthfully felt like my account was in jeopardy because this guy had access to it. I told the manager of what took place and she attempted to help but with no true resolve, I told her that I was going to immediately close my account and dissociate my self from the company solely on the actions of the rep which did n't seem to really concern her. My dispute was finally opened when I continued to reach out to the company and I continue to express the fact that once this is resolved and completed I will be closing this account. It does n't really seem to matter much to anyone I speak with there which is why I cant believe Capital One stands for agents like this. They advertise the fact that they are suppose to care and have your best interest in mind however I see that 's only unless you need them to correct an action. Highly disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Mortgage) with Ditech Financial LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received robo calls XXXX minutes apart multiple times with caller ID showing a different unlisted number every time. This happens every month. The caller wo n't give their name but wants money says they are working for Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Billing statement

Complaint: I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I was charged more than {$6.00} in interest while still bring within my {$0.00} APR period, additional the {$6.00} that I was wrongfully charged was reported as my balance on my credit profile. The {$6.00} has since been refunded however I believe this inaccurate reporting of a balance I should have never been charged with is a violation of the FCRA. <P/>It is important that financial institutions ensure they are not wrongfully charging consumers.

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 03-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I opened another Wells Fargo account to be able to cash a grant check to be issued later from XXXX University, as Wells Fargo issued my grant check before with XXXX University, I assume all higher education uses this bank. I opened my bank account with # XXXX, under the assumption that the fraud alert I placed with Wells Fargo was complete & I was issued my money back because Wells Fargo never paid XXXX which was on my credit report until I filed various complaint with FTC, CFPB & FCC. Today I received my debit card & could n't activate it. After calling to see why I was told I owe the bank. I just left the bank & was told by the teller my account is open, but when she tried activating my card she saw a stop on my account & that it was closed. XXXX XXXX States they never received payment & closed my contract which destroyed my credit & now Wells Fargo is issuing another report to credit bureaus about my account their own fraud department issued a credit & found fault on their end & now is claiming that the credit was denied after I was allowed to close my account. I was told at the bank to call another number to get things straightened out & when I called this XXXX number the woman stated same thing without correcting my account & she was in the claims department & wanted me to call another claims number to make Wells Fargo more pay per call & click/impression money! So this is why I am filing complaint again, which is to investigate Wells Fargo & XXXX XXXX banking tactics if you will? Because I just opened an account Monday with {$100.00} & have been lied to again & ripped off! 

Thank you! 

From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, N.C. 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 monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: My mother, XXXX XXXX XXXX, had accounts at Bank of America for many years. I was her Power of Attorney and handled all of her financial stuff because she had XXXX. My mom died in XX/XX/XXXX. Bank of America was aware of her death because they were advised of it by Social Security and I provided them with a copy of her death certificate. I wrapped up her final expenses in XX/XX/XXXX and XX/XX/XXXX, and by the end of XX/XX/XXXX the account was closed out with a XXXX balance. In both XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my dead mother 's account {$24.00} each month for service charges. This is outrageous inasmuch as they know my mother is dead. Please make them stop this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was n't able to view my free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.

Company response to consumer: Closed with explanation