milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian will not let me dispute a judgment. It stated they already investigated it. I want this judgment deleted from my credit report. There is no such document in XXXX County Clerk 's office.

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 05/13/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX I filed a complaint because of XXXX XXXX was charging me interest. I received notification from XXXX XXXX of a courtesy credit refunding the interest that I had been erroneously charged. Since then I have made on time payments, totaling over {$790.00} in credits to my account. In XX/XX/XXXX My Credit Limit was decreased from {$3500.00} to {$2000.00}. On XX/XX/XXXX my payment of {$400.00} was posted to my account, bringing my balance {$990.00}, with a credit limit of {$2000.00}. I had finally received less than 50 % of Credit Limit. I am making payments to decrease the balance, and when I finally get ahead they keep decreasing my Credit Limit to keep my balance high. I have Interest Deferred Promotions, but the multiple Credit Limit Decreases are ruining my credit rating. On the XXXX XXXX statement dated XX/XX/XXXX, my limit has been decreased to {$1500.00} by XXXX XXXX again, twice during the period from XX/XX/XXXX-XX/XX/XXXX. 
The credit limit decrease now reports me has charging 66 % of the Credit Limit. Despite my account activity, and aggressively paying more than the minimum amount due. I feel as if this is reprisal due to the complaint I filed previously against XXXX XXXX-XXXX. This change on my Credit Limit has adversely effected my credit. Im paying on this account but the Credit Limit decreasing inaccurately capture that I have a high balance. I have had multiple Credit Reporting Disputes that have been corrected and updated. XXXX XXXX has lowered my Credit Limit based on fraudulent and inaccurate information, but I am the one who is being effected the most.

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 08/24/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Late fee

Complaint: T J Maxx credit card. 
XXXX made a {$70.00} payment to TJ Maxx based on the statement which had the minimum payment of {$35.00} a month ( XXXX and XXXX ). Set up electronic payment to pay {$35.00} a month for XXXX months. According to the credit card company Synchrony the payment for XXXX should have been {$80.00} and they have been charging me late fees off that XXXX dollars since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (ID).
Issue: Problem with the payoff process at the end of the loan

Complaint: SIR IN MID XX/XX/XXXX I TOOK OUT A ON-LINE LOAN FOR XXXX DOLLARS.I WAS UNDER THE IMPRESSION THAT I HAD 48 MONTHS AT {$290.00} PER MONTH, THIS WAS NOT THE CASE AT ALL, IT WAS {$290.00} BI-WEEKLY.AFTER SEVERAL WEEKS PASTED THEY AGAIN TOOK {$290.00} FROM MY BANK ACCOUNT.I THEN CALLED RISE AND TOLD THEM THEY HAD MADE A MISTAKE AND THEY TOLD ME IT WAS I WHO MADE A MISTAKE.I EXPLAINED TO THEM THAT I WOULD LOOSE EVERYTHING IF IT CONTINUED, THEY DID NOT RESPOND.APPROX.3 WEEKS WENT BY AND I APPLIED FOR ANOTHER LOAN TO PAY OFF RISE, AND SENT THEM A CHECK FOR THE LOAN AMOUNT OF {$3500.00} IN WHICH THEY RECEIVED AND APPLIED TO MY ACCOUNT.I THEN CALLED RISE TO MAKE SURE THEY APPLIED THE XXXX PROPERLY AND THEY TOLD ME THE ACCOUNT WAS STILL BEHIND, THEY SAID I STILL OWED XXXX DOLLARS BECAUSE THE CHECK DID NOT GET THERE IN TIME.SO NOT THEY CONTINUE TO ADD EVERY TWO WEEKS {$250.00} TO THE XXXX. 
NOW ITS UP TO {$850.00} AND THEY SAID ANOTHER {$250.00} AND THEY WILL CONTINUE TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On three separate occasions, Nelnet 's KwikPay service has lapsed without user intervention, which directly resulted in incurring additional interest balances. Two of these occasions occurred prior to the start of the repayment phase, while the third occurred after a large bulk payment was made closing several accounts. KwikPay ( set up to use a still-valid financial institution ) failed to resume payments accordingly once the effects of the lump payment wore off, resulting in a late payment. Nelnet remarks that they have the right to automatically place such loans into forbearance but refuses to acknowledge that the KwikPay system has been flawed for years and frequently mishandles applied payments or fails to collect them in the first place. 
The loan is on a standard repayment plan and I have a perfect pay history when funds are due.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Filed a flight through XXXX for a flight XX/XX/XXXX. Ended up not being able to attend flight due to policy at work regarding the time off at work XX/XX/XXXX. XX/XX/XXXX is considered a blacked out month and they will not allow any vacation time at all due to the sheer volume of work ( shipping company ). I had purchased an additional {$10.00} insurance specifically for canceling which is what it advertised without giving any of the details. I tried to cancel flight today on XX/XX/2016. Turns out, they charge an additional {$25.00} dollars to cancel the flight. I then have to go through XXXX XXXX who offers the cancelation insurance. After talking with them, they send me the details that the only cancelations that are approved are medical emergencies and jury duty. That is not what they advertised and that is not what I purchased. XXXX is charging me now a total of {$210.00} for a flight I can not take due to it now being canceled and they " do n't offer refunds on this type of flight '' is what the customer service representative told me over the phone. They refused to transfer me to a manager. Gave me info regarding trip mate cancelation to which they will not process your claim unless the flight is canceled so you have to pay the {$25.00} for a flight they can not refund. According to my cancelation confirmation email, I am refunded {$140.00} with XXXX XXXX. To use this credit, I have to spend a {$200.00} penalty on top of the credit. This is straight robbery. I received no service outside of my time wasted by customer service and policies regarding " we ca n't do anything. '' I want my money back and people to be warned of the shady tactics that cheapoairlines does in business with trip mate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX. recently I checked credit wise online and found a loan for XXXX dollars from XXXX XXXX. I never got a loan or bought anything from this company or leased anything from this company. I am in the process of diputing this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with Pathfinder Credit Services (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX of XXXX, Fl, I got this loan in XX/XX/XXXX and I was promissed a good frame time before I started making payments, I have to mention that I have n't been able to work steadily, and therefore not making payments.A few times I asked XXXX to at least accept small installments, instead they sent my account to a collection agency ( Pathfinder ) I have been in contact with this collection company, but they do not accept minimun payments and all they do is make phone calls to make threats to use their legal department if I do not pay what they ask for, Pathfinder has inflated my original account by adding high interest rate, i was not aware of.On XX/XX/XXXX I was call call by XXXX whom made threats of legal action after i recuested that i needed to see the original statement from XXXX, since the account is getting bigger and bigger.I want to stop them to call me and to harras me or intimidate me arguing that and I quote '' is a tactic for not paying '' as per XXXX, I was not informed by XXXX that my account was in Pathfinder 's collection.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax continues to lie regarding the credibility of their investigations including but not limited to a collection account from XXXX XXXX. On top of that have frequently re inserted negative information already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (WV).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.

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 08-09-2016 about Credit card () with U.S. BANCORP (TX).
Issue: APR or interest rate

Complaint: I would like to make the CFPB aware of unethical, possibly illegal interest-charging practices being carried on by US BANK credit cards. I am aware that US BANK has been sued for other illegal practices, and feel that someone with an expertise in consumer protection law relating to credit cards should look into US BANK 's interest-charging practices. 

Whereas all other credit card companies I 've ever used ( personal, business, etc : I 've had more than a dozen credit cards in the last 10 years ) charge interest on a balance only after the statement close, US BANK is charging interest on the entire balance for any sum not paid BEFORE the statement close date. In other words, it is quite possible to be charged a month 's interest on a purchase made 1 day before the close of the billing cycle. 

I am a US BANK XXXX XXXX credit card holder. I am happy to provide more information. I am not an expert in credit card consumer law, but have a XXXX XXXX XXXX from XXXX relating to Finance, own several companies, am fairly familiar with credit card practices, and believe that what US BANK is doing is unethical, if not illegal. 

Thank you for your consideration.

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 01-05-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Delinquent account

Complaint: Synchrony Bank calls several times each day although I explain my dire financial situation. Other actions are available to Synchrony Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 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: 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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. There should also be more regulation on this industry. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credence Resource Management LLC ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Today Navient called me and hung up. 

I have demanded twice already to be removed from their database, only to be told that there is not a do-not-call list. 
I 've had the same experience with XXXX XXXXXXXX. 
I do not even have a student loan!! 

There is no reason for them to harass me. 

Rules and Regulations Implementing the Telemarketing and Consumer Fraud and Abuse Prevention Act 16 C.F.R 310.4 ( b ) ( iii ) ( A ) prohibits calling anybody who has previously asked not to be called.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with Allied Interstate LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: My name is XXXX XXXX and I am resident of California. On XXXX I made an online reservation for a car rental with XXXX and prepaid the full amount of {$480.00} through my Costco Citi Visa card. Upon arriving in XXXX XXXX I proceeded to XXXX rental office and was told that they could not find my reservation even though I had a hard copy with me. They made a new contract and upon returning the car on XXXX they charged my credit card the full rental value of {$510.00} without crediting me for the prepayment that I had already made. I contacted my credit card company on XXXX disputing the prepaid amount of {$480.00} as the rental car company had billed me for the full amount disregarding the prepayment. I have provided my credit card company all documentation supporting my claim and after almost 4 months and numerous calls they still refuse to credit my account for the prepayment.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent letters to XXXX XXXX and Experian asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXXxxxx balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.

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 10/31/2017 about Student loan (Private student loan) with Dream Center Education Holdings (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief